Ways to Save
Ways to save on homeowner's insurance
Ways to save on your Worker's Compensation Insurance premiums
Ways to save premium on your Business Insurance
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Ways to save on homeowner's insurance
(1) Take high deductibles
(2) Keep your home and auto well maintained
(3) Don't buy a trampoline
(4) Don't have claims, accidents or convictions
(5) Get certificates of insurance from all subcontractors
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Ways to save on your Worker's Compensation Insurance premiums
Create an active safety group and written program
Create a return to work program
Offer employees light duty work who are hurt on the job
Do pre-employment physicals on all new hires
Establish an employee health insurance plan
Incorporate a written drug and alcohol policy into your employee manual
Management must be committed emotionally and financially to a safety program
Some types of businesses need to create a drug and alcohol testing program
Comply with all OSHA requirements
Buy a medical or indemnity deductible
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Ways to save premium on your Business Insurance
Property:
(1) Increase your deductible limit to $500, $1,000, $5,000 or $2,500
(2) Install a smoke, fire or burglar alarm system
(3) Install a sprinkler system
(4) Keep your property clean and orderly
(5) Maintain your property with repairs as they are needed
(6) Do not have Claims
General Liability:
(1) Have a Safety Program in writing and a safety committee that meets regularly
(2) Do not have claims
Automobile:
(1) Do not have accidents or claims
(2) Have a vehicle maintenance program
(3) Hire drivers with no accident or convictions
(4) Have high deductibles on Comprehensive and Collision
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