You will find that some business property insurance companies provide a choice of what is known as counsel provision in their policy. Counsel provision allows for you to pick your own attorney to defend you in case of a lawsuit. Generally only available in higher premium packages for business property insurance, counsel provision can be a quite valuable option.
Even if you do not go with this option, it is important to find out how an attorney is retained to defend you in case a lawsuit arises. There are some lower value insurance companies that make use of house counsel attorneys that are actually employees of the company. You will want to make sure you have the ability to either choose your own counsel (counsel provision) or be assured that skilled representation from an independent law firm will be provided to you.