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As your business grows, your needs will change. This includes your insurance. To ensure you have the most comprehensive coverage in terms of commercial insurance, you need to conduct a yearly review. You can work with an agent at Curtis Miller Insurance, serving Parkersburg, WV, to ensure you move forward with the most appropriate protection. Here are a few things to consider as you work on renewing your business insurance.
Have You Moved?
Has your business recently moved to a new location? Maybe you’ve moved across town or out of your backyard shed and into a commercial space. Or maybe you have grown so much in the past year or so and needed to open another location. Whatever the case may be, moving locations warrants a closer look at the renewal time of your commercial insurance. This is true whether you have upsized, downsized, etc.
Do You Have New Equipment?
Your business insurance premium is based on a number of different factors, which includes the kind of equipment you have. If outdated equipment has been replaced, or if you have added more equipment to your business, it is imperative that you inform your insurance agent. You may also want to consider investing in equipment breakdown coverage to protect you when your equipment fails.
Is There New Staff?
If the number of employees at your company has changed, or if the hours that each employee works has changed, there is a good chance that you need to update coverage for workers’ compensation. As a business owner, you must make sure that all of your employees have sufficient coverage in the event that there is an on-the-job injury. However, at the same time, you don’t want to pay for employees who are no longer with your company.
When it comes time to review your commercial insurance, it can pay off to spend the time to review any changes that have occurred to your business in the last year. For more information, contact the professional insurance agents at Curtis Miller Insurance, serving Parkersburg, WV.
