Markets

For homeowners and business owners, updating their structures comes down to one key question: Is it worth spending the extra money to achieve enhanced building standards.

Ghost kitchens are a growing trend, fueled by celebrities like MrBeast and Mariah Carey, but these non-traditional food service businesses bring unique exposures that don’t always fit into standard restaurant policies.

The policy offers coverage limits up to $5 million per location, as well as options covering additional activities modern warehouse operations encounter, including the handling, repacking and processing of stored goods.

Proactive conversations with clients about catastrophe risks can surface potential coverage gaps and open the door to more forward-looking planning.

With factors such as an aging workforce and economic fluctuations pushing material and wage costs higher, agents can help their clients purchase adequate builders risk coverage.