Reportable Commercial

We at OuterBridge understand that while your policies may renew annually, changes to your business often occur more frequently than that. Ensuring that your coverages meet your needs at all times is our top priority, which is why reporting business changes to your OuterBridge contact is essential.

These business changes may include but are not limited to below. As always, we encourage you to reach out to us with any questions you may have.


  • Changes of personnel affecting responsibility for insurance decisions.

  • Change of mailing address.

  • Personnel traveling overseas/on temporary assignment overseas/working on military bases.

  • Acquisition or creation of new companies or subsidiaries and/or mergers in which you are involved or any legal change in the corporate structure.

  • Purchase, sale, lease, construction, or occupancy of new premises; real estate alteration, vacating the premises or temporary unoccupancy; extension or demolition of existing premises. This applies for both domestic and foreign locations.

  • Increase or decrease in values of building, business personal property, or inventory for both scheduled and unnamed locations.

  • Removal of business personal property or stock to new or temporary locations.

  • Addition of new locations, equipment or vehicles, whether hired, purchased, leased or borrowed.

  • Your care, custody or control of others’ automobiles or other property for any length of time.

  • Changes in processes, occupancy, products, revenue, sales, or business operations.

  • Addition, alteration or temporary disconnection of fire or burglary protection systems.

  • Use of owned and non-owned aircraft or watercraft over 26’ in length.

  • Major changes in value or nature of goods being shipped (if applicable).

  • Employment of personnel in states in which you were previously not doing business.

  • Election or appointment of a new CEO, CFO or COO or change in control of either the Board of Directors or the stock ownership of the company.

  • Changes in Retirement Plan Assets.

  • Any written contracts executed with contractor, subcontractors, suppliers, or others.