06/03/2026
Most business owners don't find out they're underinsured until they need to file a claim. By then, it's too late to fix it.
Here are 4 questions worth asking today:
1️⃣ When did you last update your coverage limits? If your business has grown, your original policy may no longer reflect your actual exposure.
2️⃣ Are you insuring your property at rebuild cost — or market value? These numbers are often very different, and the gap comes out of your pocket.
3️⃣ Do you have coverage for business interruption? If you were forced to close for 30 days, could your business survive without income?
4️⃣ Have you added services, employees, or locations since you last reviewed your policy? Each one can create new gaps.
A quick coverage review costs nothing. Finding out you're underinsured after a loss costs everything.
Let's take a look before you need to.
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