This can be the hardest part of getting a business insurance for a good agent can get you the best deals and do the haggling for you. The Insurance business is a regulated business but insurance firms do give premiums and incentives for conditions such as loyalty and other determining factors they can define. A good agent who represents more than your firm would be a good choice for it means that person is knowledgeable in the current standards and packages that can be used as leverage in getting you the insurance and coverage you need.