We learn your business. Then we shop your insurance. Ten minutes of questions before anyone quotes anything, so you find out what could actually shut the business down — and what your current policy does about it.
Tip: print this page or save it as a PDF, and bring your current declarations pages.
| Coverage | What it addresses | Current limit | Review |
|---|---|---|---|
| General liability | Customers, injuries, property damage, completed work | $ | ☐ |
| Business property | Equipment, furniture, inventory, tenant improvements | $ | ☐ |
| Business income | Lost income and continuing expenses after a covered loss | ____ months | ☐ |
| Workers compensation | Employee work-related injuries | yes / no | ☐ |
| Commercial auto | Vehicles owned by the business | yes / no | ☐ |
| Hired & non-owned auto | Rented vehicles and employees' own cars used for work | yes / no | ☐ |
| Inland marine | Tools and equipment away from your premises | $ | ☐ |
| Cyber | Customer data, email, payments, ransomware and fraud | $ | ☐ |
| Professional liability / E&O | Advice, professional services, costly mistakes | $ | ☐ |
| Umbrella / excess | Additional liability above the underlying policies | $ | ☐ |
Carrying a general liability policy does not mean everything the business does is covered. Seven things a $1M GL policy may not cover.
Current annual insurance cost: $__________________
Quoted annual insurance cost: $__________________
Most important coverage issues we found:
1. __________________________________________________________
2. __________________________________________________________
3. __________________________________________________________
Recommended changes: _______________________________________
Agent: ____________________ Phone: ____________________ Next review: ____________
Ask one question: what could happen to my business that this policy wouldn't cover? A lower premium can be a good deal, but only once you know what you are giving up.
This worksheet is a general review tool and does not alter, expand or replace any insurance policy. Coverage, exclusions, limits, deductibles and eligibility vary by insurer and are determined by the policy forms and endorsements issued.
Tell us what you need covered and one of our agents will get back to you.