If your a business owner? Do you remember the last time you reviewed your insurance policies to ensure you are covered properly. I see time and time again that business owners will work tirelessly to be successful but don’t bother to accurately insure their business. Business owners tend to buy their policy and unless they receive a premium increase, just automatically mail their renewal premium into the carrier.
This year make a note to review your policy. If you have been working with an independent agency then ask them to remarket review your needs and remarket the policy. If your with a captive agency that only represents one company then grab the bill by the horns and contact an independent insurance agency and find out what programs may be available to you and at what premium. In most cases when you start providing answers / information you will realize you are inappropriately insured. It will show that when you were originally insured you may have been insured properly but now that your business has been slowly evolving and morphing to your customers that you have new exposures and risks not covered currently.
You work hard to keep your business on top, why would you risk losing it over a potential claim, that you could have been covered for if you took an hour a year to review and remarket to ensure you are fully covered at the best available premium?
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