Life event guide · Ron Marchiani, Farmers agent
Becoming self-employed
Separate personal and business exposures. Ask about equipment, liability, business use of vehicles, employees and home-business limits.
Start with what changed
Make a short list before changing coverage.
Gather current declarations, note changed people, property, income and responsibilities, then ask which policy limits, exclusions, eligibility rules and dates are relevant. A life event does not automatically call for a particular product.
- Which people, assets, income or obligations changed?
- What existing policy, benefit or savings already applies?
- Which policyholder, insured and beneficiary details need review?
- When must any change take effect?