The New Year is an opportunity to reset and reflect on your present condition and ways to improve. One thing all members of the construction industry, from owners to contractors, should do is check in on their insurance policies and consider if they have appropriate coverage. This is especially important if there is a downturn in the economy. If the economy does slow down, many more owners and contractors may vigorously attempt to obtain insurance coverage for defense and indemnity coverage. With that in mind, here are some starting points for your insurance checkup.