Coverage is powerful, but it is not unlimited
Most commercial policies respond to sudden and accidental losses. Many business owners are surprised when a claim is denied because the issue was gradual, excluded, or never added by endorsement.
Common exclusions to understand
• Wear and tear, maintenance issues, and gradual deterioration • Intentional acts, fraud, and illegal activity • Certain pollution events unless specific coverage is added • Tools and contents in vehicles unless scheduled under property coverage • Some water related losses unless the right endorsements are in place • Regulatory fines and penalties in many situations
How to reduce surprises
• Review policy wording annually, not only the certificate • Confirm what is excluded for your industry and add endorsements where needed • Update values and operations so the policy reflects reality
Talk to Boardwalk
If you want a plain language exclusions review, we can walk through the parts that matter most for your operation and identify the endorsements that close the biggest gaps.