Helping Businesses Identify & Fill Coverage Gaps
When a business stays open to the public during renovations, it can unknowingly create a serious coverage gap. In many cases, a standard general liability policy does not include builder’s risk coverage for the construction work itself. At the same time, a separate builder’s risk policy (if one has been purchased) often focuses on protecting materials, structures, and the project investment, but does not extend to everyday premises liability exposures. That means if a customer trips over temporary flooring, is injured near a construction zone, or experiences damage related to the renovation, there may be confusion about which policy is supposed to respond, or worse, no coverage at all.
Even for businesses that are not currently renovating, this example highlights a broader issue: policies don’t always fill gaps the way owners assume they do. Coverage gaps can exist between general liability, property, professional liability, cyber, or other policies, often unnoticed until a claim occurs. A periodic coverage review can help identify those blind spots before they become costly problems. Whether you’re planning improvements or simply want peace of mind about your current protection, we should review your policies and make sure your coverage is aligned with how your business actually operates.
