So if your building is struck by lighting and catches fire - there is direct physical loss to property - and policy will respond replacing what was damaged. But what about your local building code requirements? Does your building meet all the current cores?
Read MoreIllinois Property Insurance and the Importance of Equipment Breakdown Coverage. This video highlights the importance of equipment breakdown coverage.
Read MoreMost standard property insurance policies cover property while it is on or within a specific number of feet of the premises, such as 100 or 1,000. That office laptop is covered while the salesman carries it to the parking lot and drops it on the back seat of his car, but not once he leaves the parking lot.
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