Fischer Risk Management

FISCHER RISK MANAGEMENT / RESOURCES

The next business decision deserves a better insurance question.

Practical reading for the contract on your desk, the inventory in your warehouse, and the renewal coming up. Start with the decision you need to make.

Request an Insurance Review
Notebook, calculator, and folder arranged for a business review.

Getting started

What to gather before asking a broker to review your insurance.

For the first conversation, start with your website, what your business does, why you want a review, and your timing. Detailed policies and applications can follow through an agreed document-sharing process.

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Business leaders reviewing documents around a boardroom table.

Renewals & preparation

Your renewal is coming. Start with what changed.

Set a preparation date with your broker based on the complexity of your business and the work the review requires. Start with business changes and decision deadlines, then gather the information needed to compare options.

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Container ship, cranes, and freight containers at an ocean cargo terminal.

Inventory & operations

Your inventory doubled. What should you revisit?

Start with the highest values your business actually carries, where the goods sit, and who owns them at each handoff. An annual average can hide the season when you have the most at stake.

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A spacious software-company workspace with warm wood desks and distant staff.

Technology & contracts

Before signing an enterprise SaaS contract, review the insurance.

An enterprise customer buys your software and asks for insurance evidence. Review the contract’s requirements alongside your services, data responsibilities, and policy wording before assuming the requested limits settle the question.

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A bicycle helmet undergoing a strap check at a product design workbench.

Coverage comparisons

Product liability vs. product E&O: what is the difference?

Start with the allegation: did the product injure someone or damage property, or is the customer alleging a financial loss from poor performance? Those questions lead to different parts of an insurance review.

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Orderly consumer-products distribution facility.

Contracts & growth

A retailer sent insurance requirements. What should you check?

You have the order. Then the retailer sends an insurance schedule. Before asking for a certificate, compare the requirements with the policies and endorsements you actually have.

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