when you compare insurers on cost make sure it s an apples to apples comparison of total coverage you should also check the policy deductible this is the amount you must pay out of pocket first before the insurance kicks in policies with a higher deductible usually charge a lower premium 
most e o policies are claims made meaning they cover claims made against your business during the term of the policy a claims made policy won t cover claims filed against your business after your policy expires some insurers offer e o insurance on occurrence policies which cover claims arising from incidents that occur during the policy term no matter when the claim is filed because occurrence policies provide broader coverage they are more expensive than their claims made counterparts 6