It is no secret that that business property insurance market experiences a series of fluctuating highs and lows. Some insurers will even enter markets for a short period of time in order to determine profitability; and leave the market (and those insured through them) if it appears unprofitable.
As a result, it is essential to find insurance leaders in the market that have remained in the market for at least ten years. Granted, they will not have the cheapest premium, but these solid companies usually offer extra services that make up for the extra cost. You should, in all circumstances, avoid “market floaters” or business property insurance companies that offer a “deal” because they are new to the market.