Also, some insurance companies reserve the right to drop your coverage if you make too many claims in a year, so review your policy. Once you have decided to file the claim, contact your agent as soon as possible, submit your claim, and schedule time for the adjuster to assess the damage. Also gather evidence such as photos, a copy of any police reports and receipts from any temporary repairs you have made. If you have trouble settling the claim, contact your state insurance department for assistance before bringing in a lawyer. For more money, you can purchase greater coverage.
Several variables affect premium rates.
Also, the strength of the insurance company you purchase the insurance from will affect the price. Take steps to safeguard your business. Install a sprinkler system, smoke, and fire alarms. Install security devices. Keep good records of inventory, purchases, accounts receivable, etc.