A business insurance checklist to find gaps before a claim does
This business insurance checklist helps you review coverage before renewal, not after a loss. Most small businesses find out what their insurance doesn’t cover at the worst possible moment. Instead, use this checklist each year. That way, you’ll have a better conversation with your agent and coverage that keeps up with your business.
Who it’s for
Business owners reviewing coverage at renewal, after growth, or before adding employees or vehicles.
What the business insurance checklist helps you do
- Understand 11 common types of business coverage and when you need them.
- Spot common coverage gaps.
- Prepare for your renewal meeting.
- Track policies, limits, premiums, and renewal dates.
What’s included
- Business Insurance Review Checklist (PDF), with a coverage guide, a gaps checklist, renewal prep, and a printable policy tracker.
How it works
First, read the coverage guide and mark what applies to you. Next, work through the gaps checklist. Then gather the renewal information your agent will ask for. Finally, record each policy in the tracker, so renewal dates never sneak up on you.
Why an annual review matters
Businesses change faster than policies do. For instance, new equipment, new hires, or a new service can leave you underinsured. The SBA explains the basics in its guide to getting business insurance. To plan for the unexpected, add our Business Continuity Organizer.
Want help weighing coverage costs against cash flow? Work with us.
Format: PDF. Instant download. LNS does not sell insurance; review your coverage with a licensed insurance professional.