Here is some helpful information -


The potential for an entity to incur losses or experience accidents is referred to as exposure.  For example, the more you drive the more exposure you have to be involved in an accident.  Often times you will need to be able to describe how your exposure has changed and the impetus behind it.  Here are some common examples of what might create a change in your exposure:


- The number of employees you have

- Change in payroll

- Change in receipts

- Change in operations / services provided

- Change in the radius of operations

- Change in vehicle / change in vehicle type

- Change in business personal property


Depending on the severity of the change you may have to simply update your current policy or identify a new insurance carrier to better cover your needs.