How do I know if my Georgia BOP property limit is high enough?

Most standard BOPs set property limits at actual replacement cost for contents but will not automatically increase the limit as construction costs rise. Between 2020 and 2024, Georgia commercial construction costs rose 35 to 45 percent. If your BOP property limit was set three years ago, it may be significantly below current rebuild cost. Annual review and limit increases are the fix. We run a replacement cost estimator on every BOP renewal to confirm the property limit reflects current costs.