Bruce Sackrison’s Insurance Questions: The Health of Your Home or Business Insurance | Business


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As 2021 draws to a close and many of you already have so much to do, home or business insurance is probably not high on your priority list, which begs the question, “What’s the deal?” health of your current owners or your business? Assurance?”

Chances are, the homeowner’s insurance policy you’ve invested in will need to be updated to include improvements to your home over the past year.

When considering your homeowners or business policy, it is important to remember that you should also think about updating the assets in your home or office.

Here are some things to consider when considering the steps necessary to ensure you are covered:

-Make a complete inventory of your home or business to identify your assets and inventory that should be included in your respective policy

– Make a list of goods such as art or jewelry that you may have purchased

-Take a video or photos of each item and document them by category (hobby items, jewelry, music items such as instruments, workshop, etc.), and be sure to include all issues of series or model on your listing with each item

-Remember to include items you might take for granted, such as holiday decorations, sports equipment, tools, and other big-ticket items such as antiques or other high-end pieces you may have -be acquired during the year.

-For your business insurance, you’ll want to track and identify all assets as described above, but you’ll also want to include all computers, printers, CCTV cameras, capital goods, vehicles, tools, furniture, etc.

Once you have done a full inventory of your assets, be sure to keep the list and associated video in a safe and in a secure offsite facility such as a safe.

Our office is well equipped to answer any questions you may have about any of your insurance needs and we welcome a call to chat or meet with you to discuss the best possible options for you, your employees and your business.

Bruce Sackrison is a P&C insurance broker affiliated with Professional Insurance Associates. He is at 707-931-0186 or [email protected]

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