Your business renewal, done early and accurately.
Commercial renewals depend on accurate exposures — revenue, payroll, headcount, property and operations. The sooner I have updated numbers, the more time we have to market your account and avoid last-minute surprises.
What I review
Coverages on the table at renewal
General Liability
Limits and class codes rated against current revenue and operations.
Property
Building, contents, and business-income limits vs. replacement cost.
BOP
Package policies reviewed for eligibility and the right endorsements.
Workers' Comp
Payroll by class, experience mod, and any audit adjustments.
Commercial Auto
Vehicles, drivers, radius of operation, and hired/non-owned exposure.
Umbrella / Excess
Excess limits over your primary GL, auto, and employers' liability.
Updated exposures
Changes that move your commercial renewal
Flag any of these when you submit. Accurate numbers up front prevent audit surprises later.
✓ Annual revenue / sales changed
✓ Payroll or number of employees changed
✓ Added or closed a location
✓ New services, products, or operations
✓ Bought, sold, or added vehicles or equipment
✓ Hired subcontractors or 1099 workers
✓ Signed new leases or large contracts
✓ Changes to building or business property
Start early. Commercial accounts often need 30–60 days of lead time to market properly. The earlier you share updates, the more options I can bring you.