Joel Huff

Background

About Joel Huff

Often companies are not properly insured, either leaving themselves open to risk or overpaying for coverage they don’t need. In addition, they can be blindsided by insurance audits that can increase premiums year after year. There are three areas business owners need to assess before they renew their commercial insurance: 1. Understand what your business looks like today and, if you hit your growth goals, what it can look like moving forward. Identify the actual coverage that you currently have and compare it to the coverage you should have in order to protect your company and employees. Recognize that there are several ways to transfer risk; through coverage, elimination, and loss control training and ensure you are optimizing all three. Transferring risk away from your company is foundation to your overall success. When an insurance provider will simply renew a policy year after year without assessing the needs of the company, they are doing a disservice to their clients, and potentially putting them at greater risk. If you have not had a full business risk review in the last 12 months, I invite you to have a conversation. Whether or not we decide to work together, I am confident our call will help you identify where you may be under-insured or overpaying. jhuff@lawtoninsurance.com 270-543-6033