There are some outdoor situations, however, in which you might want to consider add-on coverage for your business. A few examples:

Outdoor sign coverage:

You have an outdoor sign that isn't attached to your building. Extra coverages to consider: Outdoor signage, mechanical breakdown.

Outdoor property coverage:

You have outdoor fences, antennae or satellite dishes that would cost more to repair or replace than your standard BOP covers. Extra coverages to consider: outdoor property; mechanical breakdown.

Equipment coverage:

You regularly carry company equipment offsite, such as expensive lighting to music festivals or catering supplies to outdoor weddings. Extra coverage to consider: property-in-transit and off-premises.

Landscaping coverage:

You have extensive landscaping, such as trees, shrubs, potted plants, and rockwork that would be expensive to replace if it were damaged or vandalized. Extra coverage to consider: outdoor property.

Outdoor Fixtures coverage:

Your company regularly uses outdoor tables, chairs, heaters/lights and other fixtures. Extra coverage to consider: outdoor property.