Business Insurance Renewals

How to renew, make changes, or cancel your Zensurance business insurance policy.

Business insurance policies are typically one-year contracts between a business owner and an insurance provider or company, and they need to be renewed annually to ensure a business is insured.

Some policies are automatically renewed by Zensurance. We provide this complimentary service to our clients as a convenient way for them to manage their insurance coverage.

It is recommended that policyholders review their policy documents at least annually to ensure the policy they purchased and its coverage limits are correct. As your insurance brokerage, we are available to assist you if you wish to make changes to your policy.

How Business Insurance Renewals Work at Zensurance

Our Renewals team will contact you in advance of your renewal due date to review your policy, discuss any changes to your business, reassess your needs, and advise on your coverage options.

You may also qualify for either our simplified renewal or automatic renewal programs. In either scenario, we’ll contact you 30 to 35 days before your existing policy expires. You have the option to opt out of simplified renewals or automatic renewals at any time.

Simplified Renewals

  • If your policy qualifies, and there are no changes to your business, no action is needed (other than a click).
  • If your business has not changed, you can confirm the renewal with one click, and your policy will renew automatically using your payment method on file.
  • You’ll receive reminders and can opt out at any time.
  • Once processed, your coverage continues without interruption

Automatic Renewals

  • If your policy qualifies and your business continues to fit within the parameters outlined, no action is needed.
  • You MUST reach out or contact us with any changes to your business.
  • If your business has not changed, your policy will renew automatically using your payment method on file.
  • Once processed, your coverage continues without interruption.

How to Modify or Make Changes to Your Business Insurance Policy

To make changes to your policy – updating information about your business, modifying or adding coverages, requesting a certificate of insurance or invoice – simply contact us at your convenience.

How to Cancel Your Business Insurance Policy

To cancel an existing business insurance policy, please contact us.

Please note: A minimum retained premium – a portion of your annual premium – is non-refundable if you cancel. If your policy has already started and you choose to cancel, the minimum retained premium will still apply.

Cancelling a business insurance policy can expose you to risks and unintended consequences.

If your primary reason for cancelling an existing business insurance policy is to save money, there are other options to consider to lower your insurance bill without paying fees or eliminating your coverage.

The cancellation process will also differ depending on your policy type and whether your insurance is a claims-made or occurrence-based policy.

A claims-made policy covers claims resulting from your negligent actions and filed during your policy’s active period. An occurrence-based policy is designed to cover losses which occur during the policy’s period regardless of when a claim is filed. 

A Zensurance Renewals team member can assist you by looking for ways to reduce your overall premium, such as increasing the deductibles, lowering the coverage limits, or updating the policy to reflect changes in your services.

Have Questions? We’re Here to Help

For questions about your policy or to make changes to it, here’s how you can reach us:

For assistance filing a claim:

If you wish to file a complaint:

Please visit our Complaints Handling webpage for more information and assistance.