Business Insurance Renewals

Regular Updates Yield Quick, Accurate Renewals for Small Business Insurance Policies

Most small businesses have to adapt quickly to changing market conditions and customer needs, and as they do, they make changes that impact their insurance liability. To ensure that your business stays covered no matter how quickly or dramatically it evolves, you should communicate regularly with your insurance agent.

Generally speaking, though, you can expect changes to your small business insurance policy if you make any of the following shifts.

Physical Relocation

Moving into a new office or manufacturing center should always trigger a call to your agent. Your business insurance depends on the age, safety features, and square footage of your new digs, so moving house could put you at risk for denial of claims if you don't update your policy.

Keep in mind, too, that relocating to a place with better safety features may actually lead to a decrease in your insurance costs. Your agent can tell you more.

Addition to Your Business

Whether you're hiring a new employee or adding a new piece of equipment, it's a good idea to double-check that your policy covers the upgrade. Depending on the addition you make, you may be required to update your property insurance, your commercial general liability insurance, or both.

Business Growth

Bringing in more revenue is always good news, but it may impact your business insurance needs. When you talk to your agent, be sure to communicate the growth you expect for your business in the coming year so you can receive small business insurance quotes that work for you both in the present and in the immediate future.

Changing Business Practices

Shifting the way you carry out your business (whether that means going on-location to clients' worksites or switching to a cloud-based data storage system) could impact your business insurance needs. Check in with your agent to determine whether you need to update your business insurance policies to keep pace with your evolving practices

Faster, Easier Business Insurance Policy Renewals

In addition to ensuring that your business enjoys ongoing coverage as it evolves, updating your policy regularly makes the renewal process simple and quick. By taking a few minutes here and there to speak with your insurance agent, you can save yourself the headache of a long conversation at renewal time.

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