Insurance really needs to be elevated in importance in Wyomissing, Reading, Myerstown, Sinking Spring, Robesonia, Wernersville, Womelsdorf, PA, and surrounding areas because it is a risk mitigation tool that can have profound implications if it is ignored. At Stubbs Insurance Agency, we encourage all of our clients to have these seven important insurance conversations:
- Annual Insurance Coverage Checkup
- Risk Control Survey
- Cybersecurity & Data Breach Protection
- Workers Compensation & Employee Safety
- Company Vehicles & Drivers Safety
- Employment Practices Liability Insurance
- Business Umbrella Insurance
If you aren’t properly covered with any of these areas, you could find yourself owing thousands of dollars or worse because your coverages were either too little or nonexistent. None of these areas needs to take a long time to review, but leaving them as they are without revisiting them could leave you with a nasty surprise. Contact us today to schedule a time to review these important areas.
Make It Your Yearly Appointment
Owning a business means that you should do several things annually at least, and reviewing your insurance needs to be one of them. Doing an annual coverage checkup and comparing this against what your business does and how it has changed may reveal crucial areas that need coverage, or an insurance that you can eliminate because you no longer need it. Every business face’s risk, and insurance is a risk mitigation strategy. Completing a risk control survey can reveal important things to consider with your insurance coverage.
The internet is an important resource that nearly every business needs, but it also allows immoral people to gain access to sensitive documents and exploit them. Cybersecurity and data breach protection will help should sensitive data ever get out. If you have even a single employee, you will need workers’ compensation insurance, and it helps to do regular safety meetings to remind people how to have a safe working environment.
Don’t Forget Your Company Vehicles
No matter if you are hauling dirt or delivering flowers, your vehicles need to have the right insurance on them. While you don’t intend to have workplace issues come up, having employment practices with proper liability insurance will help you to defend against various allegations. Overarching all of these insurance coverages is the idea of the umbrella policy that helps to provide additional levels of coverage to prevent high dollar issues from bankrupting your business.
Insurance helps protect your business and everything that you have invested into it in Wyomissing, Reading, Myerstown, Sinking Spring, Robesonia, Wernersville, Womelsdorf, PA and surrounding areas.
Work with us, Stubbs Insurance Associates, an independent agency, to get the best policies that fit your needs on all of the above topics and more. Contact us today to schedule a time to review your business insurance needs.
