Switching Business Insurance Plans Without Any Problems

Every business wants to protect their assets and operations, and most states require this type of insurance as protection against possible emergencies or accidents. Also, while there may have established a good working relationship with various insurance providers, the time may come when it should consider changing your business insurance coverage.

Reasons for change

At some point, many worry that the premiums seem to increase for no apparent reason, or perhaps they were not satisfied when it came to settle a claim with your insurance company. In addition, coverage requirements may have changed, either due to the expansion or the current economic crisis.

You might also find that some other plan meets the needs much better than you have now, or can offer better benefits and premiums are more affordable. Once you have done some "comparison shopping" and weighed the pros and cons of different plans, you may decide you have to make the change as soon as possible.

Here are some steps to follow once you have made that decision:

Start by contacting the representative of your current insurance company, saying that you have done your due diligence, and explain that you are going to change plans. This is best done in writing, rather than through the phone, not cancel the insurance at that time. Armed with the information you have provided, which may be in a position to make a counteroffer that is even better than the new one is under consideration.

If it does not, contact your current insurer and select a date for closing your account and complete coverage. This should also be made in writing to avoid political disputes and legal problems that verbal agreements can not be sustained.

Contact your insurance company, fill out an application and establish the terms of coverage, premiums and the start date associated with its new policy. Ideally, you want your new coverage to be in force while your old policy expires. It is not always possible, you may have to settle for a month with overlapping coverage and transition period, but should never be a time when you do not have any coverage.

Note that depending on the type of policy you have, you may be penalized if you cancel your coverage before the expiration of the policy, which can be expensive.

Making the transition from one insurer to another can be complicated, but always want your policy to be customized to meet your business needs. This may involve trimming away coverage is no longer necessary or adding new protection due to a change in circumstances.









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