7 Insurance Mistakes Busy Professionals Should Avoid
The Oversights That Cost You Thousands
Insurance is one of those things you don’t want to think about — until it’s too late. Here are 7 mistakes I see over and over:
#1: No Comprehensive Plan
Business, personal, side hustles — if they’re not connected, gaps will cost you.
#2: Switching Too Often
You lose loyalty discounts — even with a perfect record.
#3: Filing Small Claims
Windshields, porch thefts, $500 fender-benders — not worth the long-term cost.
#4: Outdated Limits & Cookie-Cutter Policies
$100k/$300k auto liability doesn’t cut it. Neither does ignoring cabins, rentals, or consulting.
#5: No Long-Term Strategy
Short-term thinking = higher costs. Insurance companies reward stability.
#6: Focusing Only on Price
Cheap isn’t always smart. Some carriers delay or deny claims.
#7: Not Knowing Enough
You don’t need to be an expert — but you do need to understand the basics.
Quick Win: Audit Yourself
Do my policies connect?
Am I protecting loyalty discounts?
Am I skipping small claims?
Are my coverages modern + tailored?
Do I know enough to spot a lazy agent?
Bottom Line: Mistakes don’t show up until claim day. Fix them now, while you can.
