A standard BOP covers about 60% of what a Twin Cities coffee shop actually needs. Here are the seven coverage gaps that catch independent coffee shop owners — equipment breakdown, spoilage, business income, cyber, and more.

AR's tornado season runs March through May with a secondary peak in November. Here's what your BOP commercial property actually pays for — the wind/hail deductible math, the three commonly under-covered areas (signage, business income, equipment breakdown), and what to fix before the next storm.