28/05/2026
Before you renew your insurance program, it’s worth asking a simple question:
Has your business changed more than your cover has?
Here’s a quick checklist worth running through before you sign off on renewal:
1) Has your revenue or contract value materially changed?
2) Have you entered new industries, projects, or jurisdictions?
3) Are your current policy limits still aligned to worst-case exposure?
4) Have your contract terms shifted risk back onto your business?
5) Do you fully understand key exclusions that could impact a claim?
6) Are you still relying on the same insurer appetite as last year?
If the answers to any of the above aren’t clear, it may be time for a more strategic review of your program.
At BCS Broking, we work with businesses to make sure their insurance structures evolve with their operations, not lag behind them.