Business Risk Assessment Tool

This survey is a brief set of questions designed to let you know in a broad sense whether your insurance coverage matches your needs. Based on these results, you may want an in depth walk through by one of our regional underwriters who will provide you with a detailed risk assessment.

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Question #1

How often do you review your insurance policy with your current agent?

Question #2

Is your company vigilant in identifying potential risks/hazards?

Question #3

Is your company proactive in addressing safety issues?
Progress Screen 2 of 7

Question #4

Does your insurance agent review accidents/incidents in a timely manner to prevent reoccurrence?

Question #5

Are your employees provided with appropriate safety equipment and tools?

Question #6

Are procedures in place to respond to potential accidents/incidents?
Progress Screen 3 of 7

Question #7

How often during mid-year review with your current insurance agent, do you discuss your account service plan that they have with you?

Question #8

During mid-year review with your current insurance agent are open claims reviewed to see if any should be closed?

Question #9

During your renewal review did your current agent discuss your business income coverage and limits?
Progress Screen 4 of 7

Question #10

During your renewal did your current insurance agent discuss your Hired and Non-Owned Auto exposure?

Question #11

During your renewal did your current insurance agent discuss Cyber Liability coverage with you?

Question #12

If you own your building, does your current insurance agent do a complete building evaluation at renewal for insurance purposes with you?
Progress Screen 5 of 7

Question #13

If you rent did your current insurance agent make sure that your improvement and betterments limits were up to date?

You have completed the assessment. Please continue to the next screen and share your contact information to view your results.

Progress Screen 6 of 7

Thank you for taking the assessment

Please share your contact information and a Rural Insurance representative will contact you to review your results.

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Progress Screen 7 of 7
Thank you for taking the Assessment.
Here are your results

15 or Less

Poor. Multiple potential issues and risks. Risk exposure, lack of proper safeguards and concern for operation and employees. Rural Mutual Insurance can assist you to better protect you, your employees and minimize your risk. Contact us for a free consultation.

16 - 30

Marginal. This could be an indication that your current agent and policy are not providing adequate service and coverage. You have several unmet needs, and have potential for risk. Contact us for a free consultation.

31 - 50

Good. Could be an indication that your current agent is providing adequate service, but you still have some unmet needs and coverage to minimize your risk and exposure. Contact us for a free consultation.

51+

Excellent. Your agent and policy are doing a great job of providing you coverage and service. If Rural Mutual Insurance can assist you with any additional needs or service, please contact us for a free consultation.