First off, you absolutely MUST spend some time shopping around for different business insurance quotes. Different companies will offer different premiums for the exact same coverage. Furthermore, an increasing number of companies will offer you a quote immediately when you fill out a simple form online, so getting a quote takes half the time it used to as well as a lot of companies will show you a quotes of other companies for you to compare the insurance quotes
Commercial or Business insurance is designed to help protect many of the risks your business can face, including:
- damage or destruction to your business vehicles
- certain liability exposures resulting from the operation of your business vehicles
- damage or destruction to your office equipment or inventory
- loss of income in case you have to close-up shop temporarily because of a covered loss
- certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’s advertising
- risks to your cargo while in transit or storage
- theft or loss of tools and equipment
- crime coverage including robbery, burglary, even employee dishonesty
Don't be afraid to ask about other discounts! Insurance companies are competing for your business, so don't be afraid to make them compete!