Areas of focus
Understand the risks
that matter to you.
Explore the issues that shape business and personal insurance decisions. Use these topics to identify your priorities and prepare for a tailored discussion.
Property & business continuity
Review the assets your operations depend on and the time needed to recover from a disruption. Consider physical damage, interrupted income and the information needed to assess the financial impact.
Read: Business interruption and recoveryLiability & professional responsibilities
Examine the work you perform, your commitments to clients and the locations in which you operate. Contracts and an accurate description of your activities help frame a review of your liability exposure.
People & business resilience
Identify the people and skills critical to your operations. Consider your responsibilities to employees and the arrangements needed to maintain continuity if a key person becomes unavailable.
Cyber & technology risk
Assess your dependence on data, systems and technology providers. Review how security controls, incident response, business continuity and insurance work together to address that exposure.
Growth & changing operations
New locations, products, contracts and markets may change your risk profile. Inform your advisor of material developments and review whether existing arrangements reflect your current operations.
Read: Business growth and insurance reviewsYour home & belongings
Review how your home is used and the belongings you would need to replace after a loss. Renovations, working from home and significant purchases may affect your insurance needs.
Your family & responsibilities
Consider who depends on you and how your responsibilities are changing. Use those circumstances to identify the questions that should guide your discussion with an advisor.
Changes in your life
A move, a change in employment or new family responsibilities can make earlier decisions worth reviewing. Gather your current documents and a summary of what has changed.
Read: Reviewing your personal insuranceYour next step
Put these considerations in context.
The relevance of each topic depends on your circumstances. A tailored discussion can help identify which issues need closer attention. Coverage suitability and availability depend on underwriting, market conditions and local requirements.
Discuss your insurance needs