Cut Business Insurance in 8 ways

1. Comply with recommendations from company engineers and loss control. Naturally, the company will be more favorable to their customers who help keep losses down.

2. Voluntarily take steps to eliminate hazardous conditions and create a safe environment any company would want to insure. And safeguard your property to reduce the risk of theft and damage. This puts you in a position of deserving the lowest rate possible.

3. Make a list of the actions you've taken to reduce your risk. I'll be able to use that list to negotiate your rates.

4. Minimize your claims. The businesses that will get the highest rate increases, or not be able to get insurance at all, will be those with frequent small losses or who ignored loss control recommendations.

5. Make sure any new equipment or buildings are installed or constructed in a manner desirable to the insurance company. Consult with your insurance specialist BEFORE proceeding with construction or installation and avoid nasty surprises on the back-end.

6. Increase your deductibles and retain more risk - most companies look favorably upon clients with higher deductibles. It shows you are willing to cover the small day-to-day stuff, and use your insurance for large losses - as it is intended. This will help lower your rates, too.

7. If possible, use higher coinsurance formulas to help lower rates.

8. Be sure your insurance is providing proper coverage amounts. You may be dangerously underinsured in some instances, or paying for coverage you don't need in others. Be sure to make contact with your insurance specialist.

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MORE RESOURCES:

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Health insurance sticker shock hits consumers - Chicago Tribune

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/1-0fd=Rurl=http://newsblogs.chicagotribune.com/triage/2008/12/health-insuranc.htmlcid=1276133500ei=WMc0SazGBIPK8ATulrAJusg=AFQjCNFNEnxUo6bldu0vgOFl_3KL-dwnSQHealth binsurance/b sticker shock hits consumers/abrfont size=-1font color=#6f6f6fChicago Tribune,nbsp;United Statesnbsp;-/font nobr10 hours ago/nobr/fontbrfont size=-1Health binsurance/b sticker shock overcame Mickey Trznadel when he opened an envelope from Blue Cross and Blue Shield of Illinois earlier this year, b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-1fd=Rurl=http://www.marketwatch.com/news/story/Blue-Cross-Blue-Shield-Michigan/story.aspx%3Fguid%3D%257B5379FA18-BBBE-4084-A40A-AB5CFFB0BDAD%257Dcid=1276133500ei=WMc0SazGBIPK8ATulrAJusg=AFQjCNFK03g8Par4NlSjoznCjHlw_kgqVwBlue Cross Blue Shield of Michigan Answers Attorney General/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-2fd=Rurl=http://www.mlive.com/annarbornews/news/index.ssf/2008/12/blues_michigan_ag_continue_hea.htmlcid=1276133500ei=WMc0SazGBIPK8ATulrAJusg=AFQjCNExooC-W27l8YfvBKzuXYo3qdonjgBlues, Michigan AG continue health binsurance/b fight/a font size=-1 color=#6f6f6fnobrMLive.com/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-3fd=Rurl=http://www.mlive.com/kzgazette/news/index.ssf/2008/12/blue_cross_blue_shield_of_mich.htmlcid=1276133500ei=WMc0SazGBIPK8ATulrAJusg=AFQjCNE1X5NE3scslLXHwTL2iSu_12kzNABlue Cross Blue Shield of Michigan continues push for health b.../b/a font size=-1 color=#6f6f6fnobrKalamazoo Gazette - MLive.com/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/1-4fd=Rurl=http://www.freep.com/article/20081201/FEATURES08/81201068cid=1276133500ei=WMc0SazGBIPK8ATulrAJusg=AFQjCNGzbWAzFr0oBV8RvGahY8kM8YQFXgnobrDetroit Free Press/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/1-5fd=Rurl=http://www.crainsdetroit.com/article/20081201/FREE/812010270/-1cid=1276133500ei=WMc0SazGBIPK8ATulrAJusg=AFQjCNFGopK18C4dBoXMgVottR0VD0obOwnobrCrain's Detroit Business/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276133500hl=ennobrall 23 news articles/nobr/a/font/div/font/td/tr/table

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