Pay your entire premium upfront
The premium of your business owner's policy can usually be paid out in monthly installments or annually. It may be tempting to pay a smaller monthly payment, but consider paying the total premium. Businesses can usually save money by having to pay their policy premium annually.
Proactively manage your risks
If your company has no claims, your insurance premiums may be less. One way to do that is to create a robust risk management plan. For example, you might:
Develop a thorough training program for employees
Invest in a security system and fire alarm
Compile rules for posting to social media
Create procedure checklists and reviews
Minimize hazards on your premises