Running a business isn’t easy. There’s a lot to think about: customers, employees, money, and yes, insurance. Having the right insurance can save your business when something goes wrong. But just having a policy isn’t enough. You need to make sure it’s still working for you.

Here are 5 smart questions to ask your business insurance agent and how we handle them at Stoller Insurance.

1. How often are you comparing my rates with other carriers?

Prices go up and down, and not every company charges the same. We always keep an eye on the market. If your premium increases by 10 percent or more, we take a closer look and see if there’s a better option. Even when there’s no major change, we’re still checking in the background.

2. Are my coverage amounts still right for my business?

Maybe you’ve hired more people or bought new equipment. Businesses grow and change over time. What worked last year might not be enough this year. We’ll help you review your coverage so you’re not left without enough protection when you need it most.

3. Should I consider different deductibles?

Your deductible is what you pay out of pocket when you file a claim. A higher deductible usually means a lower premium. If your business has more cash available than when you started, it might make sense to raise your deductible and save money on premiums without giving up good coverage.

4. Is my policy classification still accurate?

This one is important. If your business has changed in any way, like offering new services, adding another location, or hiring employees, your classification might need to be updated. If it’s wrong, your coverage might not work the way you expect. We’ll help make sure it’s correct so there are no surprises later.

5. How do you handle claims?

Nobody wants to file a claim, but when something happens, you need fast and clear help. That’s where we come in. At Stoller Insurance, we guide you through every step. We are not just here to sell a policy. We are here to protect your business.

Asking the right questions can make a big difference. At Stoller Insurance, we believe in being honest, helpful, and ready to act when you need us. If you have questions about your business insurance, let’s talk. We are your local agent, and we are here to help you succeed.