Some important things to consider in your annual review:

» Has my marital status changed?  Now married or divorced?
» We have a new baby! Are we adequately covered?
» My teenager now has a driver’s license. Is he or she automatically covered?
» What is my Auto or Home policy deductible and what amount should I choose?
» Have I added ALL household residents to my auto policy?
» Do I need a Personal Umbrella Policy?
» Have I added ALL my properties, vehicles, drivers and businesses to my existing Umbrella Policy?
» I run a business out of my home – Do I need Home-Base Business Insurance?
» Do I have adequate coverage on my home?
» We added a pool or did significant renovations? Is that covered automatically?
» Do I have a separate FLOOD Insurance policy? If not you could be in major peril.
» Have I added coverage to my Homeowners Policy for my jewelry, watches and firearms? If not they are only covered to $1000 TOTAL
» Have I covered the items I pull with my trailer hitch?   Boat?   RV?   Trailer?

Business Insurance review questions

» Have my needs changed this year?
» Do I carry more inventory or less?   
» Have I purchased any new equipment / Have I sold any?
» Do we perform new and different job descriptions this year?
» Have my sales increased/decreased?
» Do I have the same employees?
» Have I hired / laid off employees?   (is my payroll different?)

Have I made improvements to my Commercial Property?
» New Roof?
» Alarm System?
» Have I started to lease part of my building to a Third Party?

I wonder if I would be covered if?
» My freezer broke down and spoiled my entire inventory?
» My door was left unlocked and someone stole all my equipment?
» If I use my private vehicle for my commercial business?
» If I give a client the wrong advice and they suffer a loss because of it?
» If I make a mistake installing something and it causes a loss to my client?

Do my commercial tenants?
» Provide me with certificates of Insurance every year?
» Engage in a business that is dangerous or considered risky to my insurance company?

How do I rate my current Insurance service?
» Does my agent call me every year to review any changes I might have?
» If I call my agent, do they promptly return my call?
» Do I receive helpful hints on safety and risk management?
» Do I receive increases in premium without explanation?
» Does my agent seem to remember me and treat me in a friendly personalized manner?

Please call us today at 1-866-968-0019 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it to set up a time to discuss these questions with one of our agents.