A guide from HQINS
Start with how you operate
Describe what you do, where you work, who your customers are and what has changed. Include new services, locations, delivery methods, subcontractor relationships and major contracts. Insurance questions are easier to frame when the operation is described clearly.
Look at property and interruption together
A building, equipment or inventory loss can create both replacement costs and a disruption to income. Discuss property values, covered causes of loss, waiting periods and recovery time. Business income coverage does not automatically apply to every interruption; the policy wording determines its response.
Consider people and responsibilities
Employees, customers, partners and owners create different responsibilities. Bring questions about workers’ compensation, general liability, professional work, management decisions and the requirements in your contracts. A coverage limit alone does not explain what a policy covers.
Include vehicles and digital operations
Tell your advisor about company vehicles, rented vehicles or employees driving for business. For digital operations, describe the information you handle, systems you depend on and existing security practices. Discuss cyber coverage alongside practical incident preparation.
Plan how you would respond
Know where to find policies, insurer contacts and reporting instructions. Identify essential operations and the people responsible for responding to a disruption. Revisit this plan after growth, ownership changes or other significant developments.