Class Is in Session: What Business Owners Should Review in August

Back to School Isn’t Just for Kids: Why August Is the Perfect Time for a Business Insurance Checkup

August means back-to-school season: new backpacks, sharpened pencils, and a fresh start. But while the kids are getting ready to hit the books, it’s also a smart time for business owners to get back to the basics—like reviewing your commercial insurance coverage.

Think of it as your business’s “insurance syllabus.” Are you prepared for the next chapter?

August is the unofficial “reset” button for many companies. With summer winding down and Q4 just around the corner, it’s a strategic time to reassess where your business is and where it’s going. That includes your insurance.

Here’s your August checklist:

Coverage 101: Is Everything Still Accurate?
Have you added employees, equipment, vehicles, or services this year? If your business has grown or shifted, your current policy might not be giving you the protection you think it is.

Liability Lab: Are You Covered for What’s Coming?
Many businesses see an uptick in activity during the fall and winter months. Will you be hosting events, launching promotions, or entering into new contracts? Make sure your general liability and professional liability policies are ready.

Cybersecurity Studies: Homework You Can’t Skip
Cyberattacks don’t take the summer off. If your business relies on digital tools, stores client information, or accepts payments online, cyber liability coverage is more important than ever.

Field Trip Ready: Have You Reviewed Vehicle Coverage?
Whether it’s one delivery van or a fleet of service vehicles, commercial auto insurance needs to be kept up-to-date. If you’ve added or replaced vehicles, now’s the time to notify your agent.

Extra Credit: Business Interruption and Disaster Plans
August is peak hurricane and storm season in many regions. Do you have coverage for unexpected downtime or natural disasters? Business interruption insurance can help you stay afloat if disaster strikes.

A+ Protection Starts With a Conversation

You don’t have to become an insurance expert overnight—that’s what we’re here for. At SeibertKeck Insurance Partners, we help business owners like you understand what you have, what you might be missing, and how to tailor coverage to fit your goals.

So while the kids are getting ready to learn, give your business the same advantage. Let’s make August your month to study up, gear up, and head into the fall with confidence.

Schedule your commercial insurance check-in today—and give your business the head start it deserves.