Saturday, November 1, 2014


Are your business insurance premiums too high? If you’re looking for ways to save on a business insurance policy, don’t get discouraged and think there’s nothing you can do. The truth is that there are lots of ways to save on your business insurance premiums business. Taking the time to learn about popular discounts can really put you in a good position when the time comes for you to purchase a policy.
Consider Deductible Options
One of the best ways to save money on business insurance is to rethink your deductible and choose another option. If you are willing to accept a higher deductible for your coverage, then you could significantly lower the costs of your monthly premiums. While this might not be the best option for every business owner out there, it can work for many. Before you settle on a high deductible, just make sure that you actually have the funds to cover the high deductible in case something happens and you need to make a claim.
Get What You Need
If you’re trying to cut down your costs for business insurance, one of the best ways to do that is make sure that you only purchase the coverage that you need. While buying a policy that has all the bells and whistles is right for some businesses, that’s not the case for every business. Before you purchase a policy, you should go through it carefully to ensure that you’re only buying the coverage that you really need. Be careful when doing this, though, to ensure that you don’t end up cutting coverage that will be of value to you later on down the road. Some business owners are tempted to do this in order to save money, but it’s not the best option.
Ask Your Agent
If you’re not sure how you can lower your business insurance premiums, you should ask your agent. While agents want to make money from you, they also want to be able to keep your business. As such, agents will work hard to help you qualify for any discounts that you’re eligible for. Before you go ahead and select a policy, take some time to sit down and talk with your agent about your options. Once you talk things over with your agent, you’ll know what you can do to reduce your premiums.

If you want to learn more about your options for business insurance, call David Ison& Sons Insurance today at 210-490-1494. We’re here to offer you business insurance that meets all of your needs!

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