Match the conversation to your work
Explain where you work, what services or products you provide, and whether customers visit your premises. A lease, client agreement, event, or vendor contract may specify insurance terms; share those documents when asking for a review.
The policy wording, limits, exclusions, and any additional insured requirements matter. General liability is not a substitute for property, workers’ compensation, or professional liability coverage. Ask how each policy applies to the situation you are concerned about.
Questions to bring
- What types of claims does this specific policy address?
- What limits, exclusions, and deductibles should I understand?
- Does a contract require a certificate or specific wording?
- Could my products, completed work, or customer visits change the discussion?
Independent guidance in four states
Lisa works with businesses in Minnesota, Wisconsin, Iowa, and Arizona. Availability depends on the business, insurer, state, and eligibility. Policy documents control the actual coverage.