Short answer: Tell your agent about new services, new equipment, staff or renter changes, revenue changes, remodeling, new locations and any incidents. Unreported changes can create coverage gaps.

The details

Renewal is also a good time to re-shop with multiple carriers.

Update property values annually.

Coverage always depends on the specific policy, its exclusions and endorsements, and each carrier’s underwriting.

Related: renewal checklist · get a quote.

More questions: What insurance does a hair salon need? · Do I need workers’ comp for one salon employee? · Does salon insurance cover microblading?.

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