I recommend an annual insurance review because your operations, payroll, and contracts change. When coverage lags behind reality, gaps appear—especially in limits, classifications, and endorsements. Once a year, I walk clients through what’s new, what can be removed, and where we can improve pricing or terms. It’s fast, practical, and it keeps surprises out of claims. If you want me to review your current policies, send them by email or text and I’ll make it simple.