Key Commercial Coverages to Highlight This Fall

As the leaves start to turn, fall presents a valuable opportunity for insurance agents to reconnect with their clients. Seasonal shifts often bring about operational changes and new liability risks. This is the perfect time for agents to provide proactive value and ensure their clients have adequate protection. In this blog post, we'll explore key commercial coverages that agents should highlight during client check-ins this season.

Property Coverage for Weather-Related Risks

With fall weather being unpredictable, it's essential for agents to ensure their clients have adequate property coverage. This includes protection for roofs against wind damage, flooding, and business personal property. By addressing these potential issues now, agents can help clients avoid significant financial losses later.

General Liability and Premises Liability

Fall often means dealing with wet leaves and shorter daylight hours, both of which can increase slip-and-fall incidents. It's crucial for agents to raise awareness about these risks and ensure clients' general liability and premises liability policies are up-to-date to address these concerns.

Business Interruption Insurance

Storm closures, power outages, or vendor disruptions are all possibilities during fall. Engaging clients in conversations about business interruption insurance can help protect their income and prepare them for unexpected downtime.

Commercial Auto Insurance for Seasonal Hazards

As fog, slick roads, and early nightfall become more common, it’s important to review commercial auto insurance policies. Ensuring these cover seasonal hazards helps clients keep their fleet and delivery vehicles protected during difficult driving conditions.

Workers’ Compensation for Seasonal Injuries

The change in season can bring unique injury risks related to cold weather, stocking seasonal inventory, and increased foot traffic. Agents should evaluate and discuss workers’ compensation coverage to ensure clients are prepared for these eventualities.

Fire Prevention and Coverage

As heating systems, fireplaces, and space heaters become more frequently used, revisiting fire protection needs is essential. Ensuring clients have proper fire prevention measures and coverage in place should be a priority during fall check-ins.

Agritainment and Special Event Liability

Fall is a peak time for events like hayrides and corn mazes. These require specialized liability coverage for potential injuries and property damage. Agents should ensure their clients' policies are comprehensive enough to cover these unique risks.

Umbrella and Excess Liability Coverage

For businesses experiencing increased foot traffic, particularly in retail or hospitality sectors, reviewing umbrella and excess liability coverage is wise. Discussing expanded liability limits can offer crucial protection against unforeseen claims.

By using this coverage checklist as part of their fall client outreach strategy, agents can uncover potential coverage gaps before claims arise. This proactive approach not only leads to stronger renewals and better retention but also fewer surprises during claim season. Stay connected with your insureds this fall and reinforce those important relationships.