Why Review Your Business Insurance in the Spring? 
The start of a new season is a natural time to reflect on what’s changed over the past year. Whether you’ve hired new staff, added services, upgraded equipment, or expanded your space, these changes can affect your risk—and your insurance needs.
Spring often brings increased customer traffic, outdoor events, and seasonal opportunities that may not have been on your radar when you first set up your policy. Increased business for you could mean a need for more coverage.
Key Policies to Review During Your Spring Insurance Check-Up
Here’s a breakdown of the most common small business coverages to revisit and why they matter:
✅ General Liability Insurance
Does your policy still offer enough coverage for the number of customers, clients, or vendors you interact with? If your business is growing, your liability exposure likely is too.
✅ Business Property Coverage
Have you recently invested in new tools, inventory, furniture, or equipment? Make sure your property limits reflect the current value of your assets so you’re not underinsured in case of theft, fire, or storm damage.
✅ Business Interruption Insurance
This coverage can be a lifeline if your business is temporarily shut down due to a covered event like a fire or storm. Double-check that your policy would still cover your operating expenses and help replace lost income.
✅ Cyber Liability Insurance
If you collect customer data, accept online payments, or rely on cloud-based tools, cyber threats are a growing risk. Now might be the time to add or expand your cyber liability policy to protect your digital operations.
✅ Workers’ Compensation
If you’ve recently hired employees or brought on seasonal help, make sure your workers’ comp coverage is up to date. This coverage is not only essential for employee protection—it’s required by law in most states.
✅ Commercial Auto Coverage
If you’ve added a new business vehicle—or if employees are using their own cars for business tasks—you’ll want to make sure those vehicles and drivers are properly insured.
✅ Professional Liability (Errors & Omissions) 
Has your service offering changed? If you’re providing advice or consulting, this coverage can protect you from lawsuits tied to mistakes, oversights, or dissatisfied clients.
Don’t Forget the Little Details
While you’re reviewing policies, make sure the basics are accurate too:
- Contact information
- Business address(es)
- List of employees
- Business classification and activities
- Updated revenue projections
Even small changes can impact your policy or claims process.
Spring Forward with Confidence
A little insurance housekeeping now can save you a lot of time and headaches later. By reviewing your coverage each spring, you’re ready to handle whatever the rest of the year brings.
Need help reviewing your coverage? We’re here to make it easy. Contact our team today for a quick spring insurance check-up tailored to your business. 📞
