Policy Review – Business Insurance

  • Your input is essential to eliminate gaps in your insurance coverage. Please accept that you have reviewed your policy, you accept your coverages and you have addressed any questions you have had with our team and/or insurance carrier. This checklist is used prior to the renewal of your insurance policy(ies) for the purpose of verifying your coverage is up to date to protect against losses. This checklist does not cover every situation, but it is a good starting point to prompt you to consider major items or questions.
  • Have you made any updates to your business name, products, type (LLC, Corp), operations, etc? Do you provide additional services outside of your normal operations?
  • Are you, or do you anticipate, working with new contractors or vendors that will need proof of insurance?
  • Should it apply, have you added, increased, changed or upgraded your building, equipment or property?
    Have you made any changes to your team in the past year?
  • Please let us know how many team members you have added or removed.
    Would you say your sales have increased, decreased or stayed the same in the past year?
  • What are your gross sales/receipts for the past year? Do you plan to expand or reduce your business this coming year?
  • This helps us identify possible gaps in coverage and ensure your insurance accurately reflects your full operations.
  • The purpose of a Commercial Umbrella policy is increasing your Liability Coverage over your Business Auto and General Liability when the unthinkable happens. Accidents do happen at the Worksite, Or causing a multi car accident when a ladder or lumber fall from your Truck, or when someone slips on the ice in your parking lot. The Cost of this coverage is usually less than paying for one hour of an Attorney’s time to defend you. Tool and equipment theft is on the rise. Employees blaming their boss for their injuries is more frequent, Are you using your Car or Truck in your business? Liability awards are happening more frequently. These are all areas that we can review so you better understand your coverage and some potential gaps in your coverage.
    Are there any other coverages we can answer questions about or assist you with?
  • Did you know that for all referrals we receive, we donate to a local nonprofit? Is there an organization that is close to your heart that you want to share with us?
  • Do you have any feedback for us? Is there an area we can improve your experience? Is there a team member you’d like to give kudos to for their effort?
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