Building covers the building and structures described in the policy which can include permanently installed fixtures and equipment such as signs, intercoms, blinds, and outdoor fixtures such as lights, awnings, and flag poles.

Business Property applies to property owned by you and used in your business including your inventory, stock, furniture, fixtures, and leased property such as computers or copiers.

Business Income is designed for businesses to restore expenses that continue and profits that would have been earned had there not been a direct loss.

Business Income is explained as the net income plus continuing operating expenses including payroll.  There is typically a co-insurance provision where the policy will pay a percentage of the actual loss.

Extra Expense coverage provides payment for extra expenses above normal costs to continue operations after a loss.

Inland Marine Coverage ensures those items that can be transported and leave your business location such as tools and equipment.  There are various forms of Inland Marine Coverage available.  You can schedule specific items or write them on a blanket form.  Be sure to speak with your agent to cover this type of property as it is not covered automatically under the Business Personal Property coverage.