Your commercial insurance policies protect your business, making your insurance agent an essential resource for your company. While you may not have your agent on speed dial, you will want to contact him or her in several circumstances.
Verify coverage details
You can purchase a variety of different policies for your business and need to understand your exact coverage. Contact your agent to verify which types of coverage you have and your policy limits; if you need help locating a representative, see Commercial Lines Agent/Broker.
Update your policy
When you add a vehicle to your commercial fleet, sell a piece of equipment, move to a new location, or make other changes to your operations, call your insurance agent. These updates could affect coverages, limits, and premium, especially when you add vehicles covered under Commercial (Business) Auto Insurance.
File a claim
If you need to file an insurance claim, contact your agent immediately. You may call the agent’s office, send an email or text, or fill out an online claim form on the company’s website, and remember to submit pictures as you get the claim process started.
Ask questions about a claim
After you file a claim, you may have questions about the adjuster’s findings or the settlement timeline. Feel free to contact your agent and ask any questions you may have.
Discuss your bill
Whether you pay annually, semi‑annually, or quarterly, review your bill and call your agent if you have questions about a charge or fee. Most agents remain transparent about billing and can explain charges, fees, or payment deadlines.
Pay your bill
If you experience issues when paying your insurance bill, call your agent. You can also request a change in the policy due date or adjust payment frequency to better fit your cash flow.
Initiate an annual review
You should receive a notice a few weeks before your commercial policy’s renewal date; ask your agent for a meeting to review coverage. During this renewal discussion, confirm coverage limits, discuss business changes, and verify you have the right insurance for your needs.
Request a new quote
Based on the policies you purchase and any discounts you qualify for, your agent can rework coverage limits, check for savings, and provide a new quote that meets your budget—if you want a quick price comparison, you can ask your agent.
Throughout the year, you may wish to contact your commercial insurance agent for several reasons. Always feel free to reach out and discuss your needs as you purchase and maintain the right coverage for your business.
Frequently Asked Questions
When should I notify my agent about business changes?
Notify your agent whenever you add or remove property, hire employees, add vehicles, change locations, or alter operations that could affect risk or coverage needs.
How quickly should I report a claim?
Report a claim as soon as possible to start the claims process, preserve evidence, and meet any policy reporting deadlines.
Can my agent help lower my premium?
Your agent can review discounts, adjust coverages, or suggest risk-control measures that may reduce premium while keeping necessary protection in place.