The Commercial Lines market is starting to harden.  Premiums are going up and certain classes of business are becoming more difficult to get.  Now more than ever is the time to review your current coverage and see that you are adequately covered.   You should review your coverage to make sure that you are paying for what you need.  The last thing you want is to be lacking coverage at the time of a loss. 

Review your commercial automobile policy and consider deleting physical damage coverage on older vehicles.  Review your scheduled equipment to delete outdated and equipment you may have disposed of.  Also make sure that you have listed any new equipment that you have purchased.

On your package policy or business owners policy, review your building and business personal property limits.  Make sure that the limits are at a replacement cost limit.

Finally, review your deductibles.  Many people will not put in a claim for a small loss, so consider taking a higher deductible, one that you are comfortable with.  This gives you added savings.