Are you going from one job to another? Changing employers involves more than salary, health/dental insurance and overall job satisfaction – it may also bring changes to your auto, home, and other property and casualty insurance needs.

Hopefully the new job means you can save on your insurance costs too. However, if your new job involves traveling, working from home, or renting a car, you’ll want to think about your policies and talk to your employer and insurance agent.

Here are a few questions to consider when you take on a new job:

Are you commuting farther or shorter distances?

Hopefully you’ve found a new job that is closer to home, allowing you more free time and less traffic aggravation. You may also be taking public transportation and using your car less often. If your drive time is significantly reduced, you may qualify for a low-mileage discount on your auto insurance. Your insurance company can provide you with information on this discount, assuming they offer it.

Will you use your personal vehicle for business?

It’s more common for companies to pay you mileage than to give you a company car. If your private car will be used for business, the Insurance Information Institute recommends you talk to your employer about liability coverage in case you’re in an accident.  Ask your agent whether your liability coverage applies to personal insurance or your employer’s commercial coverage. If you assume the liability, consider upping your coverage to ensure your assets are protected (and it wouldn’t hurt trying to negotiate the extra insurance cost into your new salary).

If you’re lucky enough to get a company car, understand what your company’s policies are. If you use your company car for occasional personal use, you may need sufficient personal auto insurance coverage to protect you when the car isn’t being used for business, according to NationWide Insurance.

Will you rent a car for business purposes?

If you’re traveling to different areas of the country, you may rent cars for business purposes. Your business may offer coverage in case of an accident. If not, coverage would fall to your own private insurance, in which case additional liability, collision, and comprehensive insurance may be needed. Remember that your credit card may also offer some basic rental car protection, III says. Your insurance agent can advise you on coverage levels.

Can you work from home?

More and more businesses offer some degree of flex time so you can work at home or you’ve decided to become self employed. Equipment your employer provides is most likely covered by their policies. However, if you are self-employed, consult, or do out-sourced work for a company, you may need to buy your own professional-liability coverage, according to III.

Will you have stock inventory?

It’s important to have enough insurance in case something happens, especially if you keep expensive inventory at home. In this case, you’ll want to inventory how much stock you keep at home and get adequate home business insurance coverage in case of fire, theft, and other disasters, experts recommend. If your insurance company doesn’t offer this coverage, they should be able to advise you on a good company to turn to.

Will clients be coming to your home?

If you will be hosting clients and vendors at your own house, you may need a home-business or small business-owners policy, according to III. Your insurance agent can help you understand what is covered by your personal homeowners policy and what isn’t. It may be possible to just purchase additional coverage on an existing policy.

Will you have sensitive data at home?

Whether you keep sensitive printed documents or could fall victim to a computer-security breach, you should consider home-based business protection. Data thefts are a major problem for even the largest companies and, if you fall victim, it could open you up to lost income and client lawsuits, according to Allstate Insurance.

Are you at risk from floods?

If your home, condo, or apartment could be damaged from floods, you may need commercial coverage through the National Flood Insurance Program. Check with your agent to understand whether your homeowners, home-business or business-owners policies would cover your losses in case of a flood.