Finding a good agent is the key. When I started my business, my lawyer recommended an agent to me. I got lucky my first time out, as this guy was great. We met every year a couple of months before renewal to review my policies and my needs, and made adjustments accordingly. He shopped my policies every year to get me the best rates. We worked together for 10 years before he was, sadly, forced to retire.
His replacement at the agency pretty much ignored me. We met once in the 3 years I was with him.
I shopped around and finally found another agent who is very much like my first agent. I have been with her for 13 years now, and have followed her through a couple of job changes over the years.
Great agents are out there. Ask other business owners who they use and if they are happy with their agent. Eventually, you will find a recommendation that fits.
I would gladly share my agent with anyone in the Buffalo NY area who is looking.