Business Insurance Check Up

Do you own the building your business is located in or are you required by lease to provide property insurance? If yes:
- Do you have an alarm or security system, sprinkler or surveillance equipment?
- Has it been longer than 12 months since you reviewed the cost to replace the buildings? Any modification or additions?
Do you have new tenants or change in occupancy? Any building expected to be or have been vacant for more than 60 days?
Do you have fences, trees, light poles or outside property to specially add to your policy?
Have you reviewed your inventory, equipment and other assets then compared to your policy business personal property limit? Are you responsible for any property of others?
Have you entered into any new purchase or lease agreements for your business property?
Do you need water back up or flood insurance?

Have you purchased new or sold equipment that does not stay at your primary location? Verify schedule of insured property.
Do you lease or borrow any equipment from others?
Any shipping by air, land or water at your risk of loss?

Have you added or eliminated autos used in your business? Verify vehicles on policy.
Do you need to add or remove drivers of your vehicles?
Does the title on your vehicle match the name on your insurance policy? If the vehicle is titled personally, but insured by your company the policy may need to be amended.
Do you use your personal vehicle for business, allow employees to use your personal vehicle for business or allow employees to use their own personal vehicles for business?

The sensitive personal information (ex. Social Security Numbers, debit/credit card information, medical records) you collect and/or store on my employees, customers and/or patients is lost or stolen. Data Breach
You are sued by an employee for an employment-related claim, such as discrimination, harassment or wrongful termination. Employment Practice Liability
An error or omission is made in the administration of employee benefits program available to my employees, such as improper benefits advise or failing to enroll an employee when they’re eligible. Employee Benefits Liability Coverage
You suffer a financial loss because an employee steals money, securities or other property owned by my business. Employee Dishonesty
The computers, data and software used in your business need to be repaired or replaced due to a computer virus or power failure. Cyber and Computer Media Coverage
You are sued because an employee running an errand for my business such as picking up supplies or going to the post office caused an auto accident. Hired & Non-Owned Auto
You are sued and the policy limits do not cover the amount you are liable to pay. Umbrella

Your operations are suspended due to the direct physical loss of power, communications or water services. Off Premise Utility Services Coverage
Your largest customer suspends operations due to a covered property loss.
The third party you rely on for a large portion of my business income (ex. supplier or manufacture) is unable to provide inventory or products due to a covered property loss at their location. Dependent Properties Coverage
After resuming operations following a covered loss, You do not regain the income level that existed prior to the loss. Extended Business Income Coverage