Which endorsement should be purchased to cover inventory during peak demand months?

• A. Building Ordinance
• B. Value Reporting
• C. Peak Season
• D. Inflation Guard

Answer: (C)

Seasonal inventory changes create periods when stock values surge. The Peak Season endorsement is designed to cover those spikes by temporarily increasing the insured value during defined peak months, ensuring you have enough coverage when inventory is highest. It typically specifies the peak period and how much the limit rises, so you’re protected from underinsuring during busy seasons without altering coverage year-round.

Building Ordinance deals with costs to bring a building up to code after a loss, not inventory. Value Reporting lets you adjust values by reporting them, but it doesn’t automatically boost limits during peak periods. Inflation Guard raises limits over time for inflation, not for seasonal fluctuations. So for protecting inventory during peak demand months, the Peak Season endorsement is the appropriate choice.