The best way to get low-cost Commercial insurance can be time consuming - you need to comparison shop. Here are a few steps to make this easier and faster:
1. Target highly rated insurers. There are websites that can help you measure the quality of an insurer, such as AM Best and other insurance rating organizations.
2. Speak to colleagues about coverage options. Sometimes you can learn from other people's mistakes before you buy coverage that won't work for your business.
3. Speak to lawyers and financial experts. When you understand what liabilities and assets you need to cover, you'll have better luck understanding how much coverage you need, and for what perils.
4. Find the right agent. The right agent can make this process fast, easy, and even pleasant. The key is to target agents who are independent and not tied to any single insurance company - that way you can very quickly collect quotes before you buy.
When you comparison shop for insurance, you'll come out ahead. This is a huge advantage to your bottom line and for your safety.