Lloyd Sadd

Insurance gets bought once and then forgotten until the year it matters, which is the whole argument for dealing with someone nearby who picks up the phone and already knows what you have.

An insurance contact is worth using properly rather than only at renewal. Ask whether coverage can be placed with more than one insurer, since that flexibility is worth having, and ask how the renewal conversation works and when it begins. If you run a company, ask whether the coverage still matches what you actually do, because operations drift over a few years while a policy sits unchanged in a drawer. Businesses tied to the tourist season have their own wrinkles, from equipment left outdoors to staff numbers that change through the year, and the building trades have another set again around tools, vehicles and work on other people's property. Ask what a certificate of insurance requires and how fast one can be issued, because that request usually arrives with no notice at all.