Too often, I see cases of business going under because they chose a shady public liability insurance broker or company to handle their claim. The company either paid part of the claim, and let the business owner taking up the rest of the expenses, or just did not pay the claim at all. It happens time and time again, where the broker or company just packs up and heads out of the country, leaving you fending for yourself, after you have paid them all your hard earned money.
Making sure that you have your ducks in a row before you go shopping is also a good way to find a reputable broker to handle your insurance policy. By doing this, you are going to ensure that he is asking you the right questions, to custom tailor your coverage to what your business requires. If he is trying to throw coverage in for things that you do not even have, turn and run. He is just trying to make a dollar, at your expense.
Make sure that the broker you chose uses reputable companies to purchase his policies through. If he is using shade tree companies just to save you money, you are going to pay for it in the long run. Make sure he is only using insurance providers that have a solid name, and you know that they are not going anywhere any time soon. This is the only way you can ensure that you have your claim handled in the way that it should be, in a timely manner.