Exposure is if there is a hazard or contingency that can create a loss situation. When you purchase business or commercial insurance the company is going to need to know what is immediately to the east, west, north and south of your location.

If your business is between a liquor store and a pharmacy then there is a high risk of holdup. If your business is located next to a woodworking business then the chance of a fire is higher.

Insurance companies base the rates they charge on the perception of possible claims occurring. So have this in mind when you are considering the location for your business.

Talk to your agent or broker about your possible locations. Take control of your insurance. Ask questions and get the answers you need.