27 Dec 2018
Surprising Scenarios Covered by Your Business Insurance

Did you know there was commercial coverage for these risks?

When most people think about business insurance, they think about policies that will offer coverage for property damages and liability issues. However, business insurance actually covers far more than that. In fact, there are even special coverages designed to cover some very unique situations. Here are some of the unexpected things that can be covered by the right commercial insurance.

Spoiled Food

If your business works with food or other perishable items, such as plants or tobacco, it would suffer major losses if you experienced a problem with your refrigeration system. Fortunately, adding spoilage coverage onto your commercial property policy would protect you against the financial losses associated with this risk. Spoilage coverage offers compensation for the food or other supplies that have gone bad as a result of heating or cooling equipment breakdown or a power outage.

Accidental Pollution

While this might take you by surprise, sometimes normal business operations can actually have an adverse effect on the local environment. If your business accidentally releases smoke, fumes, toxic chemicals, waste materials, or other contaminants, you would be responsible for the injuries and property damage that these pollutants caused. You can protect against this risk by tacking a sudden accidental pollution endorsement onto your business’s general liability insurance.


While this is not a risk that many actually face, there is an insurance option to help you protect against being kidnapped. If you are concerned about getting kidnapped, adding a kidnap and ransom endorsement to your professional liability insurance would ensure you have coverage to meet your kidnapper’s ransom demands.

These are some of the unexpected situations that you can secure business insurance for. Do you have additional questions regarding your commercial coverage? If so, don’t hesitate to contact the experts at Patterson & Associates in Richardson, Texas. We are ready to assist you with all your business insurance needs today.