McComas Insurance

A policy bought three years ago was priced for a business that no longer exists. Revenue grew. Headcount changed. New equipment landed in the shop. New contracts were signed. The policy stayed where it was.

Five questions to run before every renewal. Has revenue grown more than 15%? Liability and property limits may need to scale with it. Have you added employees? Workers' Comp class codes and payroll need updating. New equipment or vehicles? Each one needs to be on the schedule. New contracts requiring specific coverage or additional insured language? Confirm the policy meets the requirement. Has the building's rebuild cost risen? Replacement cost limits may need adjusting.

Outgrown limits, missing equipment, outdated payroll figures, and contract gaps. Each one is a claim waiting to be denied. The policy stays the same. The exposure grows quietly. The bill arrives all at once.

Twenty minutes a year. That's the cost of catching it.