1. Package policies are almost always cheaper than individual policies. Consider combining liability coverage with your building, contents or inland marine coverage.

2. Don't forget "income protection" insurance. It's inexpensive and can make the difference in surviving a major loss.

3. Tools and equipment are rarely covered off premises unless individually listed. If you list your tools, be sure not to over insure.... riders like this usually protect you on an "actual cash value" (market value) basis and NOT on replacement cost (cost new).

4. Have you properly insured your computer hardware and software?

5. Be sure to properly describe what your business does on your policy. Failure to do so will jeopardize your coverage.

6. Don't forget to specifically insure your sign and any plate glass. They are often only limited amounts provided in your building policy.

7. Business Catastrophe policies (sometimes called "umbrellas") are a great way to increase your overall protection.

8. Snowplowing? You need proper auto liability AND general liability protection. If someone slips on the ice they say you missed, they will sue you... guaranteed!

9. Have a proper General Liability certificate of coverage for all sub-contractors that you use.