Your Commercial Property Coverage Might Stink: Here’s Why

The coverage in a commercial property policy may appear adequate at first glance-but hidden limitations, sub-limits, and exclusions can create serious coverage gaps at the time of loss. This course guides insurance professionals through commonly overlooked areas of commercial property policies, focusing on key endorsements and ISO provisions that can significantly impact claim outcomes. Participants will learn how to identify weak coverage, evaluate exposure-specific needs, and apply practical solutions to improve protection for commercial clients across a range of industries.

Basic Course Information

• Identify common coverage gaps and limitations within standard commercial property policies
• Evaluate when endorsements or coverage modifications are appropriate based on property use and exposure
• Explain how vacancy, debris removal, outdoor property, and ordinance or law provisions affect loss settlement
• Recommend practical coverage enhancements to better align policies with client risk and underwriting requirements

• Debris removal, vacancy changes, and additional covered or excluded property provisions
• Outdoor property exposures, including trees, shrubs, plants, and signs
• Coverage issues related to leased property, loss settlement, and valuation
• Ordinance or law coverage and its impact on older buildings and code compliance losses