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How to Save on Insurance as a Small Business Owner
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[QUOTE="Leah Kelvin, post: 337445, member: 106815"] There are many strategies that small business owners can adopt to cut down on their insurance expenses. Below are some of them Bundle Policies: Small business owners must think about bundling multiple policies like general liability, property, and business car insurances with single providers. This often saves money for a business and makes purchasing an insurance policy easier. Review Coverage Needs: Sometimes it is necessary to review the unique insurance needs of your business to ensure that you’re not paying for any unnecessary coverage but you have enough protection. For example, when there are no more employees in the office, you may not need worker’s compensation anymore. Increase Deductibles: Opting for higher deductibles results in lower monthly premiums. Ensure though that you still afford the deductible amount in case of a claim. Shop around for insurance providers: You don’t have to stay with your current insurers. Check other options as well as get several quotes so that you get the best deal possible for your coverage. Invest in Risk Management: In order to reduce risk and minimize chances of accidents or claims, businesses should train employees on safety measures. Insurance providers may offer discounts when such certain risk management practices are implemented. [/QUOTE]
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