I’m going to meet with our insurance agent tomorrow morning to go over the business insurance. Is there anything you recommend looking at or asking? I am going to ask him about our tool coverage replacement value.... new vs used value. Also we will go over our coverage limits, make sure all equipment is covered and add any new employees as drivers for our company. What’s covered? What are my policy limits? Do I need higher limits? How are claims submitted? When should claims be submitted? Do I have enough coverage? Can I lower my costs? What do you review with your agent every year?