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Tips To Lower Your Business Insurance Premiums In San Benito

by host on Monday, February 15, 2016 9:50 PM
Purchasing an appropriate insurance policy is crucial for protecting your business. Though it may call for an initial investment, having sufficient coverage can save you from the costs of employee medical bills, legal liabilities, structural damage etc. However, a carefully selected and well-researched business insurance policy can save a lot of finances.


Some of the ways to lower the business insurance premiums are:


  • Compare premium rates: You need to shop around before finalizing a business insurance policy. Be clear about the type of coverage you require and get insurance quotes from at least three different providers. The policy you choose should provide adequate coverage for your specific business requirements.
  • Increase the deductible: You can lower your business insurance premium by opting for a higher deductible. It is the amount you are required to pay in the event of an unfortunate incident. Make sure you Increase the deductible to an extent your business can afford to pay up front.
  • Buy sufficient coverage: Buying too much coverage for your business means unnecessarily increasing your expenses. On the other hand, getting little coverage exposes you to a lot of unforeseen risks. You should assess all the potential risks that your company may face and choose coverage accordingly.
  • Improve security measures: Installing safety systems and worker safety programs can reduce your business insurance costs. Insurance providers always evaluate the security risks before deciding on the premium. So, you can consider installing smoke alarms, fire extinguishers, strong locks, fire sprinkler systems etc. to minimize the potential perils.
  • Assess policies every year:  It is advisable to review your insurance policy every year to know if you need to add or delete certain coverage. Get in touch with your insurance agent to discuss the alterations in your business and how your policy can be suitably modified to cater to these changes. This can help cut down unnecessary costs and save money on insurance premiums.


We, at Smith-Reagan Insurance Agency, can help you choose the right business insurance in McAllen suiting your budget and requirements. For more information about our services, feel free to call at (956) 399 – 1353 or visit our agency at 148 North Sam Houston Boulevard, San Benito, Texas 78586.


The auto insurance policies provided at Smith-Reagan Insurance Agency are specifically tailored for each client in San Benito and McAllen, TX

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