Every shop insurance policy will have certain levels of excess against the different types of cover provided. An excess is an amount that you must pay towards any claim.
You either have to pay the excess directly to the insurers, or they deduct the amount of the excess from a claim. If you have every had insurance for your car, you will be well aware of the fact that excesses apply. Usually when you start to drive or a re a young driver learning, you will have a higher excess. The reason being that insurers feel that you are more likely to have a claim.
The same can be said of different types of insurance cover. You are more likely to have a claim on your business insurance shop policy for a smashed window that you are for, say, legal expenses. Most insurers therefore apply a much higher excess for this level of cover.
The thing is, you need to shop around not just for a cheaper policy, but also one that offers better cover. Anyone with a modicum of computer skills and a telephone can get a cheap quote. But, if it is at the expense of cover and with higher excesses, then it really is not worth it.
Shops and retailers are having an awfully tough time, there is one way though that you can save money. Speak to an independent (this is very important as they will work with many different insurers) business insurance broker and they will get you two things. Good cover at the cheapest premium they can.