Standard property insurance provides coverage for returning a building to the condition it was in prior to a covered loss. What is not covered is the increased cost due to the enforcement of ordinances or laws regulating construction and repair of damaged buildings. Ordinance or law coverage was developed to fill this gap. (more…)

Even if your business has been fortunate enough to avoid a loss, it may happen that disaster strikes near your business. Although this event doesn’t directly affect your ability to conduct business, action by a civil authority – like the police or fire department – may still prohibit access, resulting in a loss of business income and extra expense. Civil authority coverage comes into play in these situations, providing protection when there is damage to property other than your insured premises due to a covered cause of loss. (more…)