Don't Speak Insurance?
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Don't Speak Insurance?
We Translate!
Don't Speak Insurance?
We Translate!
Don't Speak Insurance?
We Translate!
Don't Speak Insurance?
We Translate!
Don't Speak Insurance?
We Translate!

Shopping for Commercial Property Insurance

Coverage and rates vary by company, so it pays to shop around. Use these tips to help you shop:

  • Compare apples to apples. When comparing prices, make sure you’re comparing policies with similar coverage. A cheaper policy might provide less coverage.
  • Tell your agent about all your worksites to make sure you’re fully covered.
  • Keep shopping if an insurance company turns your down. Insurance companies have different standards for deciding whether to sell someone a policy. You might be able to find a company willing to insure you even if another company won’t.
  • Consider factors other than price. An insurance company’s financial rating indicates how strong the company is financially. Its complaint index is a measure of its customer service.
  • Buy only from licensed companies. If you buy from an unlicensed company, your claims might not get paid. To learn whether a company or agent is licensed, call us.

Saving Money on Your Insurance

Use these tips to help you save money:

  • Remove potential hazards. Improving the safety, security, and maintenance of your workplace might lower your risk for having a claim, which can help you save money on your premiums. Most insurance companies also offer loss-control or risk-reduction services. Talk to your agent about ways to make your workplace safer and more secure.
  • Combine coverages into one business owner’s policy. Many insurance companies offer business owner’s policies that bundle multiple coverages together. They’re usually cheaper than buying the coverages separately.
  • Choose your deductibles wisely. A deductible is the amount you have to pay toward your claim before the insurance company will pay. Policies with higher deductibles have lower premiums. But remember that if you choose a higher deductible, you’ll have to pay more out of pocket if you have a claim.

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