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It’s time to dig out that commercial insurance policy that you’ve been paying premiums on for years.
Hopefully you have a decent insurance agent that knows how to protect your business, especially since we live in the land of tornados and bad storms, even droughts that lead to fires. In other words, hopefully you purchased “business interruption coverage” or “business income coverage” or the like. This means that if your business is “interrupted,” then you have insurance coverage to cover your losses until you can open your doors again.
I hear it all of time, “I have full coverage on my car!” Then I look at the declarations page and many insurance provisions were rejected or missing, causing the client to potentially be out of pocket for someone else’s negligence.