Business Owner? What to Ask Your Insurance Agent Before It’s Too Late

Running a business means spinning 100 plates. Insurance might not be the loudest one, but when it drops, it shatters everything. At Tower Insurance, we partner with business owners to ask the right questions before the storm hits. If you’re unsure where your risk lives, start here.

What happens if my business shuts down for a few weeks?

Business interruption coverage isn’t automatic, and it can make or break your recovery timeline.

 

Do I need EPLI or Cyber Liability insurance?

If you have employees or digital records, the answer is probably yes. Lawsuits and hacks aren’t just for the big guys anymore.

 

Am I covered if I get sued even if I didn’t do anything wrong?

Professional Liability (E&O) protects against mistakes and accusations. We make sure your defense is covered.

 

How can I reduce Workers’ Comp audit surprises?

Classification errors, payroll spikes are preventable with the right setup and reviews.

 

What does my lease or vendor contract require me to carry?

Many policies fall short of contract requirements. We decode the fine print and fill the gaps.

 

What if my equipment is damaged or stolen?

Your tools, tech, and gear are your lifeline. Let’s talk about inland marine or special equipment coverage.

 

Is my coverage keeping up with my growth?

A bigger team, new location, or new product means new exposure. We scale your protection as you grow.

 

Are my vehicles properly insured for business use?

Personal auto policies won’t cut it. Even one trip to the post office in a personal car can create a coverage issue.

 

How do I make sure my business stays protected if something happens to me?

Buy-sell agreements and key person insurance aren’t just for corporations. Let’s talk contingency planning.

 

What’s one coverage I’m probably missing and why?

Our job is to anticipate what you haven’t thought of yet. We ask the tough questions so you don’t have to.

 

Protecting your business isn’t just about today; it’s about your legacy. At Tower Insurance, we think like owners, not vendors.

Let’s review your commercial coverage and spot the weak links before they become claims.