New series: It's Not Covered

The ALPS “Is It Covered?” Series

While insurance policies are probably not the most popular item on your reading list, it is critical to understand what is covered and what is not. Knowing what is not covered allows you to take proactive steps to prevent losses where you will bear the full weight of the expense. To have your property damaged by an event you could have prevented is frustrating, but suffering a preventable loss and then finding out the loss is not covered is doubly painful, and, could potentially take you out of business.

Expanding the “It’s Not Covered” Series

We had a great response to our “It’s Not Covered” series which focused primarily on items that are known to be standard exclusions within the industry for property insurance policies. In the process of writing, we found exclusions weren’t the only areas of a policy that generate confusion. For example, there are instances where certain risks may be covered, but only under specific circumstances. These may feel like “gray” areas of your policy. Along with addressing standard coverage exclusions, we wanted to bring clarity to these “gray” areas too. So, in order to properly reflect the expansion of this growing series, we are renaming it the “Is It Covered?” series! A question we can now answer with yes, no…or maybe.

Articles in the “Is It Covered?” series will still be housed under the “Insurance Insiders” section of the website, and each month we will address at least one new topic. Some of the topics are very basic and you may find yourself wondering, “Who doesn’t know this?”, but if we are writing about a particular coverage or exclusion, it’s because someone has reported a loss of that nature and it wasn’t always easy to determine if it was covered. Our goal is to deliver easy-to-digest content to help you avoid such losses. Hopefully you will find these quick reads to be educational, and maybe even entertaining. You can read the first installment, “Is It Covered? – Tenant Damage” HERE.

Are you new to our site and wondering who ALPS is or want some more background on the original series? Read HERE for more info!

If you are reading our newsletter or articles on this site, you may have sidestepped a loss or two. Be sure to share ALPS with your friends and colleagues, so they can be as informed as you. If you have questions or solutions that you have used in your business, please feel free to post them in the comments section of the post or contact us at While we want to share your questions, so everybody benefits, we’ll always keep your identity confidential so you don’t have to worry about your question being “judged.” We hope that you will find the “Is It Covered?” series informative.

How have you benefited from our Insurance Insiders articles? What is something new you have learned about your insurance that you didn’t know before? Please share your thoughts in the comments section below!

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