What do you wish your insurance agent told you?
I am curious to know what information/topics you would want to hear from your commercial real estate insurance broker? What topics/issues would you want to know more about?
[{"id": "e31ngmh", "text": "How AirBnb affects the policy", "replies": [{"id": "e3266z3", "text": "Yes- this is becoming a real issue for people. ", "replies": [], "depth": 2}], "depth": 1}, {"id": "e31vy4w", "text": "When you have a fire, the water damage caused by the fire departments water hoses is not covered under  your fire policy.  it is covered by your flood policy which is a separate rider that most dont have.  example:  standard kitchen grease fire 7k covered, 29k damage from water hoses...not covered.  ask you agent about it and be clear.  also, a one damage is another one.", "replies": [{"id": "e31vyme", "text": "or business interruption if it is a rental.", "replies": [], "depth": 2}, {"id": "e32666u", "text": "Interesting! So basically what is covered and not covered under your policies. ", "replies": [], "depth": 2}], "depth": 1}, {"id": "e32xf9p", "text": "You said a commercial policy, right? \n\nI am just venturing out to begin my new small business, and it's terrifying. I originally planned to just be a broker that owned my building, and had my building policy + E&amp;O. \n\nWell, those words were nearly absent and instead, I heard about \"business coverage\" and was referred out and I still am not clear, though my coverages do say what I have. I wish there had been a guideline that helped me absorb the different terminologies that might be used and the process of how a policy goes from the agent to .... some other company altogether.", "replies": [], "depth": 1}]