Owning a business in Robesonia, Reading, Wyomissing, Myerstown, Womelsdorf, Sinking Spring, PA, and the surrounding areas means that you need to deal with seemingly a thousand things each day, but there are some things that you need to make time for, as they have a large impact on your future. Insurance is one of those areas that isn’t particularly interesting for most people, but at Stubbs Insurance Agency we understand how avoiding these conversations can lead to problems down the road. These are questions that should be reviewed on an annual basis, as things can sometimes change a lot in just a year, while other things barely budge. Not keeping up with the growth of your business and how that can impact your insurance coverage can mean a surprise when things go wrong and you need to use your insurance. Contact us today to schedule time to go through these 7 insurance conversations.
Let’s Get the Conversation Started
Things can get started with an easy review annually of all of your business insurance policies. Do you need them, should they change, etc. The next conversation is around having a risk control survey. Understand the risk that your business is in and how that can affect your insurance. The third conversation is about cyber security and data breach protection. More and more sensitive data is being stored in places that thieves want to access, and cleaning up from that can be a mess.
Workers compensation and employee safety needs to be talked about, along with company vehicles and driver safety. Employment practices liability is something that needs to be discussed and protected against, especially nowadays. And the conversation isn’t complete until you talk about an umbrella policy to help provide another layer of financial protection should your main coverages end up not being quite enough.
Protection Is the Name of the Game
Insurance is there to provide you and your business with protection and the ability to rebuild after an incident. This is why having the above conversations with your independent insurance agent is so important. The last thing that you want to find out is that your insurance coverage isn’t high enough, or that you didn’t have a vehicle covered by your commercial auto policy. As your business changes, your insurance needs change as well, so keep up with those changes by chatting with your insurance agent annually.
We get it, insurance is a topic that can put many people to sleep in Robesonia, Reading, Wyomissing, Myerstown, Womelsdorf, Sinking Spring, PA, and the surrounding areas. But you will thank yourself later when you find that your annual update helped you to weather a storm and keep your business on track. Stubbs Insurance Agency is ready to help you get the right coverage that meets your needs without covering things that you don’t need. Contact us today to schedule your insurance review appointment.