Does Your Business Have the Right Insurance

At one time or another we’ve all heard a story on the news where a car smashed through a local business.  It can be a horrifying and dangerous experience for your customers as well as the driver.  Last month we talked about how a bollard or parking barrier can protect your business.  A bollard is a line of defense that can prevent out of control cars from breaking through your walls or windows.  If this has ever happened to your property and you didn’t have any parking barriers or protective bollards in place, pay attention.

Insurance companies will most likely cover the damage the first time around without hesitation. Usually, the car insurance company pays out under the car’s property damage liability insurance.   Your insurance company will work with the car’s insurance company to determine fault.  In most cases, the driver is at fault.  After all, your building didn’t suddenly move into the driver’s way.  

Car insurance coverage can vary from state to state, but for the most part, property damage liability insurance pays up to the coverage amount.  The damage to your building may be more than the coverage.  At this point, your insurance would kick in.

What you may not know is that now that the insurance company knows that an accident like this can occur, you might not get a full pay out next time it happens.    If you don’t take steps to prevent this from happening again, you will end up paying more out of pocket to repair the building.  Here are 5 top questions you can ask your insurance company to make sure you are protected.

  1. What if a car hits my building again?
  2. Would I be penalized with hire rates if the building is hit?
  3. How do I prevent this from happening?
  4. Is there a discount for installing bollards, stanchions, or parking blocks?
  5. If I install the barriers, and they fail, what happens then?

The best thing you can do if you find yourself in this situation is to write down and then ask your agent every question you have.  The more you understand your coverage, the better off you’ll be.  In the meantime, if a car has damaged your building or home, give us a call.  Our Board up Services at LaPointe Construction Board up Service work quick to protect your property.

Boarding up windows or a gaping hole protects your business from vandals, the elements, and overly-interested parties like unsavory characters.  It ensures the safety of your employees until repairs can be made and will keep your business running smoothly.  You’ll have the safety and security of knowing that your building is protected.

Protect your employees and business from additional damage with our Board up Service.  You can call us at 978-447-5991 to learn more or visit our Facebook page at for more information.