Is There a Coverage Gap When BAP and Umbrella Have Different Renewal Dates?
A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.

A pallet manufacturing company has a business auto policy that renews in November and a commercial umbrella policy that renews in April.
Why would premium be charged on values that exceed the limit of coverage?
To accurately calculate a potential business income loss, the costs and added time are much different than they may have been just a few years ago.