Each insurance company will differ in their own criteria for premiums and discounts. This allows for major variations in price between the pricing plans of different insurance companies. You should talk to multiple companies and get a minimum of your options; try to obtain three quotes before deciding on a particular insurance company.
If you're a small business owner, make certain that your insurance coverage is thorough enough. Most insurance coverage gives you an umbrella over a lot of various risks, but if you have a certain type of risk that is not covered in that policy, you need to either get another policy or add supplemental insurance.