Industry experts advise mid-size enterprises to consider D&O insurance as part of an overall risk management strategy, even though in a struggling economy it’s tempting to cut back on such expenses.
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“Business interruption insurance is the aspect of property insurance that is least understood and most underinsured,” says Scott Chamoff, property and marine practice leader in the Twin Cities for the Chubb Group of Insurance Companies, which is headquartered in New Jersey.
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Every homeowner must pay for routine home maintenance, such as replacing worn-out plumbing components or staining the deck, but some choose to make improvements with the intention of increasing the home’s value. Certain projects, such as adding a well thought-out family room — or other functional space — can be a wise investment, as they do add to the value of the home. Other projects, however, allow little opportunity to recover the costs when it’s time to sell.