Protect Yourself: Talk to Your Insurance Agent in Madison, MS this Summer

Summer is perfect for many things, like cookouts, vacations, and lawn maintenance. Not many business owners think about conducting a mid-year check-in of their business insurance. It may not be the most exciting thing on your summer to-do list, but the benefits certainly beat power washing your deck! Scheduling a mid-year review with your insurance agent in Madison, MS, can save you a major headache down the road. Many things can change between January and May. You may have hired more employees, added a new truck to your fleet, or expanded your services. If your insurance coverage doesn’t keep up with these changes, your company may be exposed to risks you never realized and could easily overlook.

Why a Mid-Year Business Insurance Review Matters

A quick mid-year check-in can help ensure your insurance coverage still fits your needs, especially during the busy summer season. Timing is everything for businesses like landscapers, daycares, janitorial services, and restaurants with seasonal spikes. Mid-year reviews help you:

• Catch potential gaps in coverage before you’re hit with a claim.
• Make sure your premiums match your risk level, so you only pay for what you need.
• Stay in compliance with your industry and legal requirements.
• Adjust to seasonal changes in your staff, services, or risk exposure.

Items that May Have Changed Since Your Last Review

Conducting annual insurance reviews is the minimum you should be doing. But if it’s been more than six months since your last policy review, there’s a good chance something has changed in your business. If you answer yes to any of these questions, your liability, property, or commercial auto coverage could be affected:

• Have you hired new employees or changed your payroll significantly?
• Did you purchase or lease any new equipment or commercial vehicles?
• Have you moved locations or added a satellite office?
• Are you offering new services or taking on riskier contracts?
• Have you noticed increased foot traffic, deliveries, or clients?

What to Cover in a Mid-Year Insurance Review

Your reliable insurance agent can sit down with you and go over any concerns you may have. A knowledgeable agent will walk you through each area of coverage and explain your options in a simple, non-technical manner. You can talk to them about:

• General liability: Does your current policy sufficiently protect you from everyday risks like customer injuries or property damage?
• Property insurance: Have you added new tools, business furniture, or electronics that should be covered?
• Commercial auto: Have you added new drivers or work trucks to your operations?
• Workers’ compensation: Are your employee numbers up to date to avoid over or underpayment?
• Umbrella coverage: As your company grows, do you need extra protection above your standard limits?

Work With a Local Insurance Agent in Madison, MS

Running a business is hard enough without worrying about what might happen if you have a gap in coverage. A mid-year review with your preferred Hawsey Insurance agent gives you peace of mind, knowing you’re protected and prepared. We understand the regional risks in Mississippi, like summer storms and extreme heat. We’re also aware of local regulations and licensing requirements, and most importantly, we’re here to help you with all your business insurance needs. Is your coverage keeping up with your business? Schedule a mid-year policy review with us today! We’re here to help you protect what matters—every season of the year.

Call Hawsey Insurance at 601-856-7707 to schedule a mid-year review with a qualified insurance agent in Madison, Mississippi. Feel free to contact us online or make an appointment to stop by our Madison, Jackson, and Southaven, MS, offices.