Stand-Alone Dental
This plan type provides dental coverage but does not include any other coverage.

Weather
The impact of weather on businesses is more complex than you might think. Weather obviously affects outdoor operations that depend on fair weather — for example, events like fairs, festivals, concerts, sporting events or filming.

Earthquake coverage
Quake coverage is available as additional coverage to standard commercial property and casualty policies. Earthquake coverage is available throughout Washington state, although it is relatively expensive for masonry structures and business operations with high-risk inventory or equipment.

Preferred Provider Organization (PPO)
PPOs are comparable to indemnity plans, although they require subscribers to choose their health-care providers and health-care facilities from a preferred-provider list. Because the preferred providers have agreed to the plan's requirements, including discounted fees, subscribers have a financial incentive to stay within the network.

Flood
Coverage for damage caused by floods is not included in ordinary homeowners and commercial policies, but must be added as an endorsement. Flood insurance, which also covers damage caused by mudslides, is available through a program run by the Federal Insurance Administration; contact your agent or call (800) 427-4661 for more information.

Destroyed or damaged records
If your business records are destroyed or damaged by a covered peril, this insurance will compensate you for the inability to collect income and for the cost of reproducing the records.

Deregulation
Under Washington state law known as “use-and-file,” commercial property/casualty contracts negotiated between insurers and businesses may go into effect immediately. The policy itself can be filed for state review later.

Umbrella policy
Umbrella policies provide additional liability coverage after the limits of your underlying policy are reached.

Dependent Property
This refers to a kind of business-interruption endorsement on a commercial policy that protects you from financial losses caused by problems somewhere other than your business. “Dependent property” is defined as property not owned, operated or controlled by you but on which you are dependent for normal business operations.

COBRA Benefits
COBRA stands for “Consolidated Omnibus Budget Reconciliation Act of 1985,” which requires companies with 20 or more employees to offer separating employees the option to continue their group health-care coverage at their own expense.