In many cases, it costs more to reconstruct a house than the house would bring on the open market. You can take steps to lower the cost of your premiums. Many companies offer special discounts and credits for such features as fire extinguishers, sprinkler systems, burglar alarms and deadbolt locks. These are factors in loss prevention, which ultimately help control insurance costs. You can also lower your home insurance costs by raising your deductible.
Small claims are expensive for insurance companies to handle.
Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and insured motorist coverage. Reduce the coverage amounts or raise the deductible and the cost of the policy goes down. We can work with you to find the right product for your needs. These minimize employee exposure by reducing or mitigating the hazard at the source.