Keep a close eye on renewals
Don't get stuck in a pattern of renewing whatever coverage you had the year before. Your needs may have changed, and you could end up renewing coverage for something you no longer use, lease, or own.

Review any exclusions
Carefully read over your policy and make a special note of any exclusions, such as flood damage for example. Depending on your individual business and its location, you might want to purchase coverage for these exclusions.

Consider construction
For new construction, it can be a worthwhile investment to consider concrete, brick, or steel for building materials since these are less inclined than a structure made of wood to suffer total destruction in a fire.