Your operation is constantly changing and evolving as you find new ways to grow your business. That’s why it is a good practice to review your insurance annually to identify potential coverage gaps or adjustments to limits that can help assure adequate protection for your business.

Please take a few minutes to review the questions below to help you identify any changes needed to your business insurance coverage.

General Information

• Have you made any changes to your business operation(s)?
• Have you moved your business location(s) or changed your business mailing address?
• Has there been an increase or decrease in your company’s sales?
• Do you have additional certificate requirements or need to update certificate holder list?

Property

• Have you made improvements or changes to your existing location(s)?
• Have you purchased or sold any buildings?
• Have you purchased, sold or replaced property (e.g., computer equipment, tools, etc)?

Workers’ Compensation

• Have there been any changes in your staffing that could increase or decrease payrolls?

Automobile

• Have you purchased, sold or replaced any vehicles used for company business?

Other Insurance Considerations

• Has your business expanded overseas? If yes, consider International coverage.
• Do you store customer or employee data, including private information (social security numbers, credit or debit card numbers?) If yes, consider Data Breach Liability coverage.
• Are you concerned about being sued by employees for harassment, discrimination or wrongful termination? If yes, consider higher limits for Employment Practice Liability.