Commercial property
Commercial property insurance can cover insured physical loss or damage to buildings, stock, equipment, tenant improvements and other business property. Values should reflect realistic replacement costs and seasonal inventory changes.
商業財產保險
商業財產保險可保障建築物、存貨、設備、租戶裝修及其他企業財產因承保風險造成的實體損失或損壞。保額應合理反映重置成本及季節性庫存變化。
Business interruption
Business interruption coverage may replace certain lost income and continuing expenses when operations are interrupted by covered physical damage. Waiting periods, indemnity periods and the method used to calculate income are important.
營業中斷保險
當承保的實體損失導致經營中斷時，營業中斷保險可能補償部分收入損失及持續費用。等待期、賠償期限及收入計算方式均十分重要。
Questions to discuss
How long would it take to replace specialized equipment, rebuild a location or restore suppliers? Would extra expense help the business continue elsewhere? These questions can materially affect limits and policy design.
值得討論的問題
更換專業設備、重建營業地點或恢復供應商需要多長時間？額外費用保障能否幫助企業在其他地點繼續經營？這些問題會直接影響保額及保單設計。