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Home > Blog > Does Business Insurance Provide Coverage for Damaged Documents?
WEDNESDAY, JUNE 14, 2017

Does Business Insurance Provide Coverage for Damaged Documents?

FilingMany companies maintain important data and information on documents. They need to access that data from time to time.

Fire, flood, or theft can limit that access. What happens when an accountant cannot access tax files from his clients? An attorney’s copy of a will suffers damage after a fire. A company cannot prove to the IRS what their tax records contained. A theft left all of this information unavailable. Business insurance may be able to help.

How Business Insurance Reduces Risk

Most companies have many types of documents they need to keep on hand. This includes items such as tax records, contracts, legal forms, client signatures, memos, and meeting minutes. The list can include any type of business correspondence.

When lost, these items can pose a financial risk to a company. In some cases, they could expose a client to fraud. In other situations, the documents could mean a loss of a contract.

Many companies can benefit from valuable papers and records coverage. This is a type of additional business insurance. Most insurers offer it. It can help to provide financial coverage for losses related to documents. Some examples include:

  • A fire causes damage to important documents or ledgers.
  • The organization’s sprinkler system damages important client files.
  • Receipts or records sustain damage after a theft or vandalism event.

Most types of events receive coverage under this policy. The policy might pay for losses directly related to the paper or document loss. This may be things like contract loss or costs for paying to replace documents.

It is important to note that companies may wish to have comprehensive data protection as well. This can help to protect electronically stored documents and files. Companies storing information in the cloud may need this type of coverage.

How to Get Help

Any type of business with important documents should contact their agent. Inquire about the amount of protection already in place. Then, add an endorsement for valuable paper and records coverage. It may not cost much to add this type of coverage. It does provide a significant amount of protection and can minimize loss quickly.

Business insurance should always provide protection for all risks. This type of loss is unavoidable. It is often an event that the company cannot avoid or prevent. With business insurance, you do not have to worry about the outcome.

We've got you covered. If you need business insurance, call Reliable Insurance Manager's, Inc. at 713-227-7283 right now. One of our agents can help you get a Houston business insurance quote.

Posted 1:25 PM

Tags: insurance, business owners, commercial insurance, paper and records coverage, houston
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