Find out if you need coverage in case of a terrorist attack.
If you've purchased commercial insurance in recent years, you've probably signed a form either accepting or rejecting terrorism coverage. The decision requires some serious thought.
"It's important to understand both the coverage and your risks," says M. Beth Parquette, president of Parquette & Associates Inc. Consider your location, type of business, risk of being a terrorist target and proximity to buildings that may be targets. Parquette says that even though most of her clients reject the coverage, she thinks getting it is a good idea, "especially if you own the building you're in or lease space to others."
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