Insurance coverage that fits the risk
Most shops are either underinsured or paying for the wrong things. Annual review fixes both.
General liability, auto, workers' comp at minimum
Those three are the baseline for almost any trade. Cyber, umbrella, and inland marine depending on the business.
Review limits annually
A $1M liability policy that was right at $500k of revenue is undersized at $2M of revenue. Limits should grow with the business.
Independent agent, not direct
An independent broker shopping the market every couple of years almost always finds savings or better coverage. Captive agents have one product to sell.
Take your version of this question further
This is one operator-tested angle on the question. Your shop, your size, your trade, and your team change the answer. Ask your specific version inside Ask a Shop Owner to get a response grounded in how owners like you actually handled it.