A small business insurance review starts with your operations

A restaurant, a cleaning company, and a self-storage facility don't face identical risks. A productive insurance review starts by describing what your business actually does—not by choosing a generic label.

Map your locations and property

List owned or leased buildings, equipment, inventory, and improvements. If your business operates in more than one location, make sure each is part of the conversation.

Describe how work gets done

Do employees visit customers? Do you use vehicles for deliveries or service calls? Are subcontractors involved? These details can affect which liability or commercial auto options are relevant.

Think about interruptions

What would happen if a covered loss closed your location for a time? Ask whether business-income or extra-expense coverage is available and what triggers it.

Bring agreements and current policies

Leases, customer contracts, and existing declarations pages can help your agent spot requirements or gaps to discuss. A policy review isn't a promise that every exposure will be covered, but it can reveal better questions.

Explore business insurance or start a quote.

This article is general information. Availability, terms, and eligibility vary.

About this guide

From McKinnon Insurance Agency, serving Ohio from Dover and Navarre. Meet our team for help applying these questions to your situation.

Coverage reference: Farmers business insurance guide. General product information does not replace your policy terms.

Updated September 29, 2026.