Archives: May 2025

6 Questions to Ask Your Business Insurance Agent

Choosing the right business insurance is one of the most critical steps in protecting your company from losses. But with so many coverage options available, how do you know which policies will be right for you? Our experienced business insurance agents can help you navigate the complexities. You can get a head start by answering these six key questions. 

1. What Types of Insurance Do I Need for My Business?

Every business has unique risks, so there’s no one-size-fits-all approach. Common types of business insurance you may want to consider or discuss with your agent include the following:

• General Liability Insurance – Covers lawsuits related to bodily injury, property damage, and advertising injuries.
• Commercial Property Insurance – Protects your business property, including buildings, equipment, and inventory.
• Workers’ Compensation Insurance – Required for the majority of companies, this covers medical expenses and lost wages for employees who are injured while performing their work duties.
• Professional Liability Insurance – Also known as errors and omissions insurance, this protects against claims of negligence or mistakes. This could be a lifesaver if your company is in consulting or holds a more administrative role for clients, such as accounting or tax preparation. 
• Cyber Liability Insurance – Covers losses related to data breaches and cyberattacks. A vital policy if you have valuable business, client, or customer information in digital files. 
• Business Interruption Insurance – Helps replace lost income if your business is forced to shut down temporarily due to a covered event. The types of events covered vary from policy to policy.

Together, you and your business insurance agent can assess your company’s specific risks and determine the right combination of policies.

2. How Much Coverage Do I Need?

Underinsuring your business can leave you vulnerable to financial losses, while overinsuring can lead to unnecessary expenses. Your agent should help you determine appropriate coverage limits. Factors to be considered include the following: 

• The size and location of your business
• Industry risks
• The number of employees
• The value of your assets
• Potential legal liabilities

Be sure to ask about policy limits, deductibles, and whether additional coverage is needed for high-risk situations unique to your company.

3. Are There Any Coverage Gaps I Should Be Aware Of?

Some business owners assume they’re fully covered, only to discover gaps in their policy when it’s too late. Ask your agent for any exclusions or situations where you wouldn’t be covered. For example:

• Does your general liability insurance cover product liability claims?
• Do you need additional coverage for natural disasters like floods or earthquakes?
• Are employee theft or customer lawsuits covered?

Identifying gaps early can help you add riders or supplemental policies to ensure full protection.

4. How Can I Save Money on My Business Insurance?

Running a business involves many expenses, and insurance can be a significant cost. Ask your agent about ways to reduce premiums, such as:

• Bundling multiple policies (a Business Owner’s Policy is a great way to do this)
• Increasing deductibles to lower monthly premiums
• Implementing safety measures to reduce risks
• Reviewing and updating policies annually to eliminate unnecessary coverage

Our insurance agent will work with you to find cost-effective solutions without compromising coverage to discover the right balance for your business.

5. How Will My Policy Handle Claims?

Understanding the claims process before you file one can save time and frustration. Ask your business insurance agent:

• How do I file a claim?
• What documentation will I need?
• How long does the claims process typically take?
• Are there specific steps I should follow to expedite my claim?

A smooth claims process ensures your business gets back on track quickly after an unexpected event.

6. What Happens if My Business Changes?

Businesses evolve, and your insurance coverage should keep up with those changes. Whether expanding, adding employees, launching new services, or moving to a new location, updating your policies is important. Ask your agent:

• How often should I review my coverage?
• What changes require policy updates?
• Can I adjust my coverage mid-term if my business grows?

Keeping your agent informed about business changes ensures that you always remain adequately covered and that outdated portions of your policy are removed.

Get the Right Protection for Your Business

Asking these six questions will help you clarify your business insurance needs and make informed decisions about your coverage. Whether starting a new venture or reassessing your existing policies, the right insurance can provide peace of mind and financial security. If you would like to know more about protecting your business, our experienced insurance agents are ready to help. Call today to get started.

A Guide to Pet Safety When on Vacation

June is National Pet Preparedness Month, the perfect time to plan for your pet’s safety when planning a summer trip. Whether you’re planning a road trip, flying to a new destination, or leaving your pet at home, creating a safety plan for pets prevents stress, worry, and unexpected emergencies. This guide covers essential pet travel tips, including how travel insurance and pet insurance can provide valuable protection.

Preparing for Pet-Friendly Travel

No matter how you are traveling, if you are taking your furry friend to visit a new place, planning ahead can help you avoid problems. These general pet safety tips are always a good idea. 

Choose Pet-Friendly Accommodations

Not all hotels, vacation rentals, or campsites allow pets. Before booking, verify pet policies and any restrictions regarding breed, size, or additional fees. Consider accommodations with pet-friendly amenities, such as designated play areas, walking trails, and pet-sitting services.

Pack a Pet Travel Kit

A well-stocked travel kit ensures your pet has everything they need for a comfortable journey. Some items you should bring include the following:

• Sufficient food and water for the trip
• Food and water bowls
• Medications and medical records
• Collar with ID tags and a leash
• Familiar items (toys, blanket, or bed) for comfort
• Waste bags or litter supplies
• Grooming tools and cleaning wipes
• First-aid kit with supplies for your pet

Ensure Proper Identification

Microchipping your pet provides extra security if they are lost when far from home. Update your contact information with the microchip registry and ensure your pet wears a sturdy collar with an up-to-date ID tag.

Visit the Veterinarian Before Traveling

Schedule a vet checkup to confirm your pet is healthy enough to travel. Make sure they are up to date on any required vaccinations. If traveling internationally, research pet entry requirements for your destination, as some locations require specific vaccinations or quarantine periods.

Safe Travel by Car

Hit the road with your pet, ready for a long ride. 

Use a Pet Carrier or Safety Harness

Secure your pet in a well-ventilated carrier or a crash-tested pet seat belt harness for road trips. Never allow pets to roam freely inside the car, as this can distract the driver and increase the risk of an accident.

Plan Frequent Breaks

Stop every few hours to let your pet stretch, hydrate, and relieve themselves. Keep them leashed when stopping off in unfamiliar areas to prevent accidental escapes.

Never Leave Pets in a Hot Car

Temperatures inside a car can quickly rise to dangerous levels, even with cracked windows. If you must stop at a place that doesn’t allow pets, have a travel partner stay with them and find a pet-friendly establishment instead.

Flying with Your Pet

Take to the skies knowing your pet will be well cared for throughout your flight.

Understand Airline Policies

Each airline has varying rules for pet travel. Some allow small pets in the cabin, while others require pets to travel as cargo. Research airline policies and book a direct flight whenever possible to minimize stress on your pet and reduce travel time.

Use an Approved Pet Carrier

Ensure your pet carrier meets airline size requirements and allows your pet to stand, turn, and lie down comfortably. Label the carrier with your contact information and include a familiar blanket and toy so your pet can feel comfortable.

Leaving Pets at Home? Consider a Trusted Caregiver

If you travel without your pet, arrange for a trusted pet sitter who can be a friend, or place your pet at a professional boarding facility. Provide detailed care instructions, emergency contacts, and your pet’s medical history to ensure well-being in your absence.

The Role of Travel and Pet Insurance

Travel Insurance for Pet Owners

Some travel insurance policies offer pet-related benefits, such as coverage for veterinary expenses if your pet becomes ill or injured during the trip. Additionally, travel delays or cancellations may include reimbursement for extended pet boarding fees if you cannot return home on time.

Pet Health Insurance for Unexpected Emergencies

Pet insurance covers routine and emergency veterinary care, helping alleviate financial burdens if your pet needs medical treatment while traveling. Our pet insurance agents can help you compare plans to find coverage that suits your pet’s age, breed, and medical history.

Enjoy Stress-Free Travel with Your Beloved Pet

Traveling with pets requires extra preparation, but with careful planning, you can ensure a safe and enjoyable experience. Whether you’re hitting the road, boarding a flight, or arranging pet care at home, prioritizing pet safety and keeping an eye on your insurance coverage can offer peace of mind. If you’re looking for the right travel insurance to protect you and your pet, our travel insurance agents are here to help you find the best coverage for your needs. Call us today or come into our office for a free assessment. 

The Ins and Outs of Contractor Insurance

Contractors work in high-risk environments where accidents, property damage, or unexpected delays can disrupt business operations at any time. Whether you’re an independent contractor, a general contractor, or run a contracting business, having the right insurance coverage makes it possible to protect yourself, your employees, and your clients. 

Why Contractor Insurance is Key

Contractor insurance provides financial protection in case of accidents, lawsuits, or property damage. Without it, you could be personally liable for costly claims, threatening your business and financial stability. Many clients and regulatory bodies require contractors to carry specific types of insurance before allowing them to start work on a project.

Types of Contractor Insurance

General Liability Insurance

This insurance is the most fundamental coverage for contractors. It protects against claims of bodily injury, property damage, and personal injury caused by your work. General liability insurance covers legal and medical expenses if a client or passerby is injured on your job site or if you accidentally damage a client’s property.

Workers’ Compensation Insurance

If you have employees, most states require you to carry workers’ compensation insurance. This coverage pays for medical expenses and lost wages if an employee gets injured. Even if you work alone, some clients may require proof of workers’ comp before signing a contract with you.

Commercial Auto Insurance

Contractors often rely on vehicles to transport tools, materials, and employees. Personal auto insurance policies typically do not cover business-related accidents. A commercial auto policy ensures that your work vehicles are protected in case of accidents, theft, or damage.

Professional Liability Insurance (Errors and Omissions Insurance)

If your work involves design, consulting, or advising clients, professional liability insurance protects against claims of negligence, mistakes, or incomplete work. This is especially important for contractors in specialized fields like architecture, engineering, and home inspections.

Builder’s Risk Insurance

This type of insurance covers property damage to buildings under construction. It protects against losses due to fire, vandalism, theft, and weather-related damage. Many project owners require contractors to carry builder’s risk insurance before starting construction.

Equipment and Tool Insurance

Your tools and equipment are essential to your work. Equipment insurance covers damage, loss, or theft of your tools, ensuring you can quickly replace them and continue working without significant delays.

Surety Bonds

While not technically insurance, surety bonds provide financial guarantees that a contractor will complete a project as agreed. Some clients and government contracts require contractors to be bonded before work begins.

How to Choose the Right Contractor Insurance

The right coverage depends on factors such as the size of your business, the type of work you do, and whether you have employees. Here are some steps to help you choose the best insurance policy:

• Assess your risks: Identify potential risks in your industry and daily operations.
• Understand client and legal requirements: Check if clients, state regulations, or industry standards mandate specific coverage.
• Compare insurance providers: Work with an insurance agent specializing in contractor insurance to compare policies and pricing. Our contractor insurance agents are familiar with a range of providers and can help you compare the benefits of each to see which suits you best. 
• Bundle policies for savings: Many insurers offer package deals for multiple policies, which can save money and simplify coverage management. For instance, you may qualify for a discount when you bundle general liability, commercial auto, and equipment insurance under a Business Owner’s Policy (BOP) or a Contractor’s Insurance Package. Check with one of our contractor insurance agents to see how this might apply to your company. 

Do You Have the Right Contractor Coverage? We Can Help

Contractor insurance is a critical investment in the success and longevity of your business. Without the right coverage, you may face costly lawsuits, project delays, or financial losses that could put your livelihood at risk. When you understand the different types of contractor insurance and choose policies that fit your needs, you can work confidently, knowing your business is protected.

If you’re looking for tailored contractor insurance solutions, our insurance specialists are ready to help you find the best coverage for you and your business—at the best available rates. Call us today to schedule a meeting with one of our local agents.

Top 5 Frequently Asked Questions About Business Insurance

Understanding business insurance is crucial to protect your company from unexpected risks. As a business owner, you may have questions about how business insurance works, what it covers, and which policies you need. To help clarify these points, here we answer the top five frequently asked questions about business insurance.

What Types of Business Insurance Are Available?

Several types of business insurance policies are available, each designed to protect different aspects of a business. The right mix of policies will depend on your business type, size, and industry risks. The following are among the most common types of business insurance:

• General liability insurance covers claims related to bodily injury, property damage, and advertising injuries.
• Commercial property insurance: This coverage protects physical assets, such as buildings and equipment, from risks such as fire, theft, and vandalism.
• Workers’ compensation insurance: Required by law in most states, workers’ comp covers medical expenses and lost wages for employees injured on the job.
• Professional liability insurance: Also known as Errors & Omissions (E&O) insurance, this covers legal claims arising from negligence or professional mistakes.
• Business interruption insurance: This insurance helps replace lost income in the event business operations are interrupted due to a covered event.
• Commercial auto insurance: Whether your fleet is large or small, you need a commercial auto insurance policy for vehicles used for business purposes. 
• Cyber liability insurance: Businesses are an attractive target for cyber criminals. Cyber liability insurance provides protection against cyber threats and data breaches. 

What Is a Business Owner’s Policy?

A business owner’s policy (BOP) is a bundled package that combines commercial property, general liability, and business interruption insurance. The cost is generally less than the cost of purchasing separate insurance policies. Designed specifically for small to medium-sized businesses, BOPs are convenient and affordable and provide broad coverage in one policy. 

Is Business Insurance Required in North Carolina?

In most states, certain types of business insurance, such as workers’ compensation, are legally required. Commercial auto insurance may be required if your business uses vehicles to deliver, transport, or other reasons. While general liability insurance is not legally required, clients or business partners may demand proof of commercial auto insurance before they sign important contracts or leases.

How Much Business Insurance Do I Need?

The amount of coverage you need will reflect the size of your business, your industry, and the inherent risks associated with your activities. A small consulting firm will require less coverage than a construction company due to the nature of the enterprise. As a starting point, assess the total value of your business, including your physical assets and revenue, and evaluate the potential liability risks. Our knowledgeable agent can help you determine the appropriate coverage levels with affordability in mind. 

What If My Business Needs Change?

When your business needs change, your insurance coverage must change as well. Whether you are expanding operations, adding new locations, or introducing new products or services, it is crucial to ensure a review of all of your business policies. You may need additional coverage or higher limits to protect your growing assets and liabilities. Our experienced agents at Connor Insurance Agency can help you assess your business insurance to ensure you remain protected as your company evolves and new risks emerge. Give us a call today at (828) 478-3743. 

​5 Most Common Insurance Claims and How to Avoid Them

June has arrived! This month is National Homeowners’ Month and National Safety Month. We celebrate both special recognitions by considering how homeowners can keep their properties safe and secure. Knowing the most common insurance claims can help you safeguard your property and avoid the risk of losses. Here are five prevalent homeowners’ insurance claims and strategies to prevent them:​

1. Water Damage

Water damage is a leading cause of homeowners’ insurance claims. In California, for instance, water damage is one of the leading causes of homeowner claims, with interior plumbing leaks often being the most significant issue. The good news is that most leaks can be avoided:

• Maintain your plumbing: Regularly inspect pipes for leaks or corrosion and address issues promptly.​
• Install a leak detection system: Many smart systems are now available that can monitor your water usage. Just install as directed, and they will alert you to leaks before they escalate.​
• Ensure proper drainage: Clear gutters and downspouts to direct water away from your home’s foundation.
• Insulate pipes: Protect pipes in unheated areas, like sheds and outbuildings, to prevent freezing during cold weather.​
• Maintain adequate heating: Keep your home sufficiently warm during cold spells; this can keep internal piping open and flowing. 
• Allow faucets to drip: Letting faucets drip during extreme cold can help prevent pipes from bursting from a pressure build-up when water freezes. 

2. Wind and Hail Damage

Wind and hail are responsible for a significant portion of claims. Nationally, wind and hail affect approximately 1 in 35 homes annually. Be prepared and help your house weather the storm by following these prevention tips:

• Inspect and maintain your roof: Regularly check for loose or damaged shingles and repair them.​
• Secure outdoor items: Anchor furniture, grills, and other objects that could become projectiles during storms, or better yet, take them inside the garage when you expect bad weather. 
• Consider storm shutters: Protect windows from hail and debris with appropriate coverings.​ Hurricane-proof glass is also available, protecting you from wind speeds up to 200 mph. 

3. Fire and Lightning Damage

Fire and lightning claims, though less frequent than water and wind issues, are often the costliest, averaging over $77,000 per claim, according to the Insurance Information Institute. ​Here are some ways to prepare for and prevent severe fire and electrical damage. 

• Install smoke detectors: Place them throughout your home and test them monthly.​ Fire alarm batteries differ. Some smoke detectors need to be replaced every six months to a year, while others will last up to nine years or for the lifetime of the alarm. Know which type of alarm you have and replace the batteries on schedule to ensure ongoing protection.
• Practice electrical safety: Avoid overloading circuits and replace damaged cords immediately.​ Too many extension cords strung around the house is a bad idea.
• Maintain defensible space: To reduce wildfire risks, trim vegetation and create a buffer zone around your property.​ For example, stack firewood or dry garden trimmings 30 to 50 feet from buildings. 

4. Bodily Injury and Property Damage

With an average cost per claim of $30,000, allowing hazardous conditions on your property can hurt visitors and guests and increase your insurance premiums. Trampolines are lots of fun, but they can and do cause injuries. 

There are many ways a person can potentially have an accident, but keeping an eye out for the obvious things, like keeping walkways clear of toys or snow and ice, and not letting children run by the pool, can go a long way. Another interesting fact? Nearly one-third of personal injury claims against homeowners’ insurance come from dog bites, so keeping guests and your dog at a comfortable distance may help.

5. Theft and Burglary

Theft is a far less common claim homeowners make, but its effects can be devastating. Actions you take in your home, and even online, can make a difference. 

• Install a security system: Visible alarms and cameras can deter potential intruders.​ Many systems now have apps you can use on your phone to view the camera feed from afar. 
• Secure doors and windows: Use deadbolt locks and reinforce entry points.​ An open door is an invitation for thieves. 
• Be mindful of social media: If you are concerned about the safety of your house during your departure, avoid announcing travel plans publicly, signaling an empty home.​
• Get help from your neighbors: Ask a neighbor or a friend who lives nearby to keep an eye on your property and alert you of any suspicious activity. 

Are You Covered for Common Homeowners’ Claims? 

By implementing these preventive measures, you can reduce the likelihood of experiencing the most common insurance claims, but just in case, check your coverage. Have questions about whether your policy includes all of the above? Our homeowners’ insurance agents are ready to speak with you. Call our office today to learn more about your current coverage and what you may need for the future. 

5 Things Business Owners Should Know About Insurance Limits and Deductibles

Building a business involves making countless vital decisions, including hiring the right team, buying the right software, and finding a suitable space. Understanding the basics of insurance coverage may be glossed over during day-to-day operations. Insurance is one of the behind-the-scenes essentials that can make or break financial stability when the unexpected occurs. It is vital that you fully understand Your policy limits and deductibles. 

Insurance Limits: Your Business’s Safety Net

An insurance limit is the maximum amount your policy will pay out in the event of a claim. When you think of insurance as a safety net beneath a tightrope walker, the higher the limit, the more protection you have in a fall. If coverage limits are too low, you could face severe financial losses. For example, when a business is hit by a natural disaster or is named in a high-value lawsuit with damages over $1 million when the policy limit is $500,000, the business will be responsible for paying the remaining $500,000. Choose your limits carefully to reflect the actual value of your business, the risks involved, and the potential recovery costs.

Deductibles: Lower Is Not Always Better

A deductible is what is paid out of pocket toward a covered claim before insurance coverage kicks in. It is a common misconception that it is always better to have a lower deductible. Of course, it means you pay less upfront, but lower deductibles often come with higher premiums. A higher deductible can save you more on monthly premiums, but you must be prepared to cover more in case of a disaster. This is a classic case of “you get what you pay for.” Consider your cash flow and risk tolerance carefully when choosing a deductible. 

General vs. Specific Limits

Insurance limits are not all created equal. While general limits apply to the entire policy, specific limits can be tied to individual categories of coverage. For example, a commercial liability policy with a general limit of $1 million may have specific limits within the policy for product liability, employee injury, and other types of coverage. It is essential to know what each limit covers so you are not left high and dry if you need to file a claim. 

When Raising Your Limits Is a Smart Move

Ultimately, understanding insurance limits and deductibles comes down to two questions: What is the worst-case scenario, and can your business survive it? As your business grows, so do your risks, and your insurance limits should grow with it. If you are expanding, launching new products, or taking on larger contracts, it is time to reassess the policy limits. Adjusting coverage to match the new reality could save you headaches down the road. 

Business insurance is not a one-size-fits-all solution. It should match your unique business needs, and limits and deductibles should be re-visited as the business evolves. The right coverage gives you peace of mind to focus on what matters most – running your business. Our agents are licensed professionals who can review your business policies and help ensure you have the right coverage, including limits and deductibles. 

Should I Switch to an Independent Insurance Agent?

Shopping for insurance can be a confusing, even overwhelming process, with policies loaded with obscure legal terms. Although exploring new options or switching agents may seem troublesome, it may be worth considering. Should you stick with your current agent or take the leap to an independent insurance agent? Let’s break it down.

What is the Difference Between Traditional and Independent Insurance Agents?

A traditional insurance agent works for one specific company and can only sell you policies from that company. Independent agents are professionals who are not tied to a single insurance provider. They partner with various companies and can offer multiple options from different providers. 

What Are the Pros of Choosing an Independent Agent?

Switching to an independent insurance agent can have several advantages for policyholders:

• More choice; less stress: When you are shopping for insurance, prices, coverage, and policy details can vary drastically. As they represent different insurance companies, independent agents can offer a variety of options and price points. They can do the shopping for you, find the best deals to suit your needs, and ensure you are not overpaying for a policy.
• Expertise across multiple providers: Independent insurance agents are licensed experts with deep knowledge of different policies, coverage options, and industry trends. They can assess a customer’s insurance needs and match them with the best-equipped carrier at an affordable rate. Independent agents’ versatility allows them to be more flexible in addressing your needs. 
• Personalized attention and advice: Larger companies may tend to prioritize volume over individualized service. Independent agents are more likely to focus on understanding your unique situation and recommend products that truly work for you. Whether you need home, auto, or life insurance, their advice is tailored to your unique circumstance and not based on a sales quota.
• One-stop shopping: Independent agents can often meet all of your insurance needs. Through the companies they represent, many can offer home, auto, renters, and life insurance, as well as business coverage.
• Ongoing support: Your relationship with an independent agent is ongoing. Once you have secured a policy, your agent is there to answer questions and make updates if your circumstances change. If you have a concern regarding billing or a claim, your agent can act as your advocate, dealing with the insurance company on your behalf. 

Is It Worth It to Make the Switch?

Not all independent agents are the same. It is crucial to choose an agent with a solid reputation for service who offers a variety of options and has the depth of expertise you require. Shopping for insurance with an independent agent may require more time upfront. Communicate your needs and preferences, and your agent can compare different policies. 

For a wider variety of options, flexibility, and ongoing support, switching to an independent insurance agent may be your best option if you value personalized service. Our knowledgeable agent is happy to meet to discuss your insurance needs and answer any questions you may have. 

Why Your First Call After a Disaster Should Be Your Agent!

It was 2:17 a.m. when Sarah heard the crash.

At first, she thought someone had broken into the house. Her dog was barking wildly. But when she ran into the living room, she found the real culprit—a section of the ceiling had caved in, water pouring steadily from above. A burst pipe in the attic. Ruined furniture. Soaked memories. And a whole lot of panic.

In those moments, adrenaline takes over. You’re overwhelmed, scared, and scrambling. And that’s exactly when most people make decisions that cost them later.

What Most People Do Wrong in a Crisis

When disaster strikes—a tree falls on your house, your car gets rear-ended, or your kitchen floods—everyone around you has an opinion.

“File a claim right now!”

“Don’t wait—they won’t cover it if you don’t call immediately.”

“Oh, you have to use their repair guy.”

Sound familiar?

The problem is, insurance isn’t one-size-fits-all. Different carriers have different rules, claim procedures, and thresholds. And while it might feel like you need to act fast, the truth is…

Sometimes, filing a claim immediately isn’t the smartest move.

So What Should You Do First?

Step 1: Document the Damage

Take photos. Record videos. Capture as much of the situation as possible. These moments matter.

Step 2: Stop the Bleeding

Whether that’s shutting off the water, calling a tow truck, or laying out towels—focus on limiting further damage.

Step 3: Call Your Independent Agent

Before you call the 1-800 number. Before you open your carrier’s app. Before you tell the story to a neighbor who “knows a guy”…

Call your agent.

Your independent agent knows your policy inside and out. They can help you decide if it’s worth filing, walk you through the deductible math, and explain how the claim might affect your renewal or rates.

Why Timing Matters

Here’s the thing most people don’t realize:
Once you call the carrier and open a claim file, it’s on record—whether or not the company pays out.

Some situations are obvious: A major fire, a total loss auto accident, or significant water damage. But others are borderline. Small repairs might cost just a little more than your deductible—and if you file, you could end up paying more in premiums long-term.

That’s why you need someone in your corner, helping you figure out the best path forward—not just now, but down the road.

A Real Human in a Messy Moment

At Connor Insurance, we don’t just sell policies. We help you navigate the hard stuff. Because we’ve been in those 2 a.m. moments. We’ve talked to clients while they’re standing in a puddle or sitting in a crumpled car.

And we know: the right advice at the right time can change everything.

So, if something happens, don’t go it alone.
📞 Call us first.
We’ve got your back—before, during, and after the mess.

Your Business Insurance Inventory Checklist

We typically don’t give much thought to insurance until something goes wrong. In a business, ensuring your coverage is on point could make the difference between recovery and total loss. Understanding what is covered and what should be covered is key to preparing for the unexpected. Our business insurance inventory checklist is a no-nonsense guide to ensure you are not left in the dark if disaster strikes. 

What to Include in Your Business Insurance Inventory

An insurance inventory for business owners is straightforward and typically includes the following types of coverage:

Commercial Property Insurance

This coverage helps protect the building and equipment you use to operate your business, whether it is owned or rented. It is vital to keep an up-to-date inventory of everything, including office furniture, computers, and machinery, complete with serial numbers, descriptions, and photos.

Liability Insurance

General liability insurance protects your enterprise from the losses of bodily injury claims and from property damage. Accidents can happen, and if a product or service of your business injures a person or damages someone else’s property, a general liability policy can help cover costly lawsuits. Also known as E&O (errors and omissions), professional liability insurance covers claims related to mistakes in the professional services your business renders. It is advisable to regularly review contracts with clients and suppliers to ensure your liability coverage matches your current exposure.

Cyber Liability Insurance

Data is everything in the business world, and a breach could destroy a healthy company. Cyber liability insurance helps your business respond to a data breach in which personally identifiable customer information or proprietary business strategies are lost or stolen. This type of coverage is the modern-day “fire extinguisher” for digital threats. If your company handles sensitive information, you need a security plan beyond paying for insurance. Assessing your internal systems, encryption practices, and data storage is a critical task.

Workers’ Compensation Insurance

Workers’ comp coverage is a legal requirement in most states and an essential safeguard for the health of your team and the future of your business. Workplace injuries can lead to expensive medical bills, lost productivity, and lawsuits. Business owners should thoroughly review employee roles, physical working conditions, and the risks they face while on the job. Include remote and part-time employees in your assessment. 

Commercial Auto Insurance

If your business relies on vehicles, personal auto insurance policies are insufficient. Commercial auto insurance is specifically designed to cover accidents, damage, and theft while driving for work purposes. Ensure all persons driving for business purposes are listed on your policy. 

Business Interruption Insurance

If a fire, a natural disaster, or even a pandemic stops your business in its tracks, business interruption insurance can help bridge the gap while you are getting back on your feet by covering lost income and operating expenses. To help you gauge how much coverage is adequate, review your operations and determine what expenses would continue during downtime. 

Each business has its own unique insurance needs. Our agents are licensed professionals who can help you obtain the right coverage at the best available rates. 

Ultimate Spring Checklist for Boat Owners

For boat owners, the arrival of spring is the time to shed the winter coats and your landlocked routine for life vests and the freedom of the open water. Before you set out, it is essential to ensure your boat is ready for the season. Spring is the perfect time to give your vessel a thorough checkup and get it in shape for all your summer adventures. The following checklist can help you get your boat back in the water and ready to enjoy the warmer months.

Inspect the Hull

The hull is your boat’s armor and the first line of defense between you and the open water. Start with a visual inspection, looking for cracks, scratches, or worn areas. After your boat has been sitting idle for months, it is a good idea to clean and wax the hull to protect it for the upcoming year. If you discover any severe damage, get repairs before launching into the season. A small crack can turn into a problem on the water.

Check the Engine and Fuel System

The engine is the beating heart of your vessel. Inspect it carefully for any visible signs of corrosion or wear. Ensure the engine oil levels are good and the oil is not too old. Check the fuel lines and fuel system for leaks or blockages. If you winterize your boat, ensure the battery is in good condition. A dead battery can quickly spoil a day on the water.

Test the Electrical System

You need the lights, horn, and all electronic systems on a watercraft to function correctly. Inspect the electrical system by checking the wiring for any signs of fraying or corrosion. This electrical system evaluation is critical if you use your boat in saltwater. Test the navigation lights, the bilge pump, and any onboard electronics to avoid being caught in the dark or stranded in an emergency.

Inspect the Safety Gear

Make sure life jackets are in good condition and you have enough for everyone on board. Inspect your fire extinguishers, flare kits, and first aid supplies to ensure they are up to date and in good working order. Double-check flares and distress signals to ensure they are not expired. Small investments in safety are more than worth it if something goes awry on the water. 

Clean and Organize

A boat can accumulate clutter during the off-season. Take the time to clean and organize the interior. Clean out the bilge, wipe down surfaces, and wash the carpets. These actions can help you maintain your boat and create a more enjoyable environment on the water. Debris from earlier boating adventures should be removed.

Check Your Boat Insurance

Are you covered for your spring adventures? Last but not least, checking your boat insurance policy is essential. Make sure your coverage is up to date and suits your current needs. Whether you have upgraded your boat or want to ensure your policy reflects the latest regulations, a quick review can save you from costly headaches in case of an accident or loss. Our friendly agent is happy to review your policy and coverage needs with you.