Business insurance is a major necessity when starting a business. As the years go by, it is important to make necessary changes to your plan as your business grows. Your business can drastically change over time and it is important to keep your insurance policy updated with the changes. Business owners need to ensure their insurance fits their business as it continues to grow.Forty percent of small businesses go uninsured leading to the risk of paying out of pocket for damages or loss. Avoid gambling with your business future by reviewing your insurance policy annually to ensure coverage needs are going to be met. Policy reviews can find mistakes and coverage gaps. Adding new employees comes with the need for additional workers compensation coverage. Adding new services, natural disasters and moving to a new location can also require changes to your policy. De Hart Plumbing Heating and Cooling, serving Manhattan Kansas, Junction City Kansas, Wamego Kansas, Topeka Kansas and some surrounding areas.