A new employee, vehicle, location or contract can raise several insurance questions at once. Start by telling us what changed and when. You do not need to know which policy handles every part of the request.
What changed, and where should you start?
| Your situation | What to send and where to start |
|---|---|
| A customer needs a certificate | Send the recipient’s details, job information, written insurance requirements and deadline with a certificate request. |
| You added a vehicle, employee, location or service | Describe the change, the affected business and the requested date in a policy change request. |
| Your renewal is approaching | Gather current policy information and changes in operations, payroll, revenue, property and vehicles for a commercial renewal review. |
| You are starting a business or comparing insurance | Describe what you do, who does the work and where. The Business Insurance guide helps you find the relevant operation and coverage pages. |
Give the change a date and a description
- What: the new work, property, vehicle, employee or requirement.
- When: the purchase, job start, move or renewal date.
- Who: the insured business and the person asking for proof or a change.
- Documents: the relevant contract, lease, vehicle record, notice or current policy.
If a contract asks for additional-insured status, special limits or a bond, send that requirement as written. The contract and certificate guide explains why the requested wording and the policy need to be reviewed together.
One change can involve several policies
For example: a contractor hires a helper, buys a truck and rents a shop. The useful starting point is that full description. It prompts questions about employee duties and payroll, drivers and vehicle use, and the building lease and stored equipment.
Send those changes as they happen. The business renewal checklist can also help you catch changes that have accumulated during the year. A requested change takes effect only when it has been confirmed; sending a form is not that confirmation.