Cover your assets with business property insurance

When getting commercial property insurance quotes, make a checklist of everything that needs to be covered. Consider your buildings or any other structures, such as storage buildings, fences or signs. Include machinery, computers, equipment or automobiles, inventory and supplies.

I recommend: Get a business insurance checklist at 2insure4less to make sure you cover all of your assets. Commercial property insurers Farmers Insurance Group offers commercial property  insurance information geared to specific businesses such as restaurants.

Keep costs low when getting commercial property insurance quotes

Before getting quotes from commercial property insurers, make simple changes that will help your rates go down. Consider installing an alarm system, fire extinguishers and smoke and fire detectors. Also, for a lower rate, consider packaging your personal and business insurance with the same company.

I recommend: Download the Five Steps to Risk Assessment so you can deal with health and safety risks in your business--and lower your insurance rates for commercial property.

Compare commercial property insurance rates

You want to keep your premiums low, but at the same time you don't want to be underinsured. The best way to compare commercial property insurance rates is to set the policies side-by-side and do an actual comparison. Several websites allow you to do just that. Remember, just because a rate is lower, doesn't mean you'll be getting the same coverage as one that is a little higher.

I recommend: Get multiple insurance quotes at Insure Zone and 2Insure4Less. Get customized quotes for your commercial property insurance at BuyerZone and NetQuote.