December is the perfect time for business owners to step back and look at what changed over the past year. Insurance needs to match the way your business operates today—not the way it looked last January. If payroll increased, new employees were added, or you picked up bigger jobs, your workers’ comp and liability coverage may need an update.
If you added vehicles, bought new equipment, upgraded your building, or opened a second location, your insurance agent needs to know. Even small changes—like storing more materials on-site or offering a new service—can affect what needs to be covered. When insurers don’t have the right information, it can lead to gaps in coverage or surprise adjustments during audits.
A quick year-end conversation with your agent helps keep everything accurate and prevents unpleasant surprises. It ensures your business heads into the new year properly protected, with insurance that matches your real operations—not outdated information from months ago.
Stay Tuned For Other Great Reads In This Month’s Newsletter
- Winter Risks: How Slip-and-Fall Claims Impact Your Business Insurance
- Understanding Umbrella Liability for Small Businesses
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