If you run a business, or are planning on opening a business, by now you know there are many costs associated with it.

Is it time to apply for business insurance? Maybe you’re starting a new business, or have had changes in your business structure or operations. Maybe you just aren’t happy with your current insurance price or service. Whatever it is, you have determined it is the right time to shop for or update your business insurance.

Owning a business takes a lot of work, and getting the right insurance coverage for it doesn’t make it any easier.

A lot can happen in a year … especially when you own a business. I’m sure the past couple of years have been a great example of that for most of you. Here at Berry Insurance, we certainly experienced it. The amount of changes our business an industry have seen in recent years is astounding. From the 2020 pandemic to rising costs in 2023 - we've had to add expenses in some areas, reduce them in others, purchase new equipment, and even grow our team.

It’s not uncommon to think you don’t need renter’s insurance. Since you don’t own the property you rent, damages from what happens to it shouldn’t be up for you to pay for, right? Well …not exactly. While your landlord’s policy protects the building you live in, your personal belongings are not covered under that policy. You also aren’t protected in any way from getting sued by others.

The leaves are changing colors, the air is becoming crisp, and the sky is getting darker earlier. You know what that means … snow is on the way. While this thought may make many New Englanders cringe, if you make money by snow plowing, you may actually be looking forward to it. But are you actually ready?