Insurance Knowledge Center
Educational resources to help business owners make informed decisions about commercial insurance coverage and risk management.
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Annual Policy Audit Checklist
Pick your policy renewal month and we'll map out a pre-renewal timeline with target dates and lead times — so nothing slips through the cracks.
Next renewal date: Oct 1, 2026
- Review payroll & class codes3 months before
Pull year-to-date payroll by class code — Workers Comp and General Liability audits are driven by these numbers.
Target: Jul 3, 2026
- Check subcontractor COIs & Additional Insureds3 months before
Verify every sub still has active coverage and that your business is named Additional Insured where contracts require it.
Target: Jul 18, 2026
- Update vehicle list & driver roster2 months before
Add or remove vehicles and drivers so your Commercial Auto schedule matches what is actually on the road.
Target: Aug 2, 2026
- Audit property values & equipment schedules2 months before
Reconcile property and inland marine values with current replacement cost — underinsurance triggers coinsurance penalties.
Target: Aug 17, 2026
- Gather loss runs & review claims history1 month before
Collect 3- to 5-year loss runs from your carrier; clean up open claims and document mitigation before renewal underwriting.
Target: Sep 1, 2026
- Confirm limits, deductibles & endorsements21 days before
Review every endorsement and limit against current contracts — many clients now require $2M–$10M umbrella limits.
Target: Sep 10, 2026
- Collect & compare renewal quotes14 days before
Benchmark admitted vs. surplus lines options across 50+ carriers through Capital & Co.
Target: Sep 17, 2026
- Bind renewal & order new COIs7 days before
Bind the chosen program and pre-order certificates for the new policy term to avoid coverage gaps.
Target: Sep 24, 2026
