Contact us


Send us an email!

Contact details:


Your message has been sent successfully. Close this notice.

Car insurance Quote

Contact details:

Your car:

Your Quote Form has been sent successfully. Close this notice.

Business insurance Quote

Level of protection: $

Contact details:

Your Quote Form has been sent successfully. Close this notice.

House insurance Quote

Your house:

Contact details:

Your Quote Form has been sent successfully. Close this notice.


Your Quote Form has been sent successfully. Close this notice.

Nail Quote

Has any product, work, accident, or location been excluded, uninsured or self-insured from any previous coverage?

Yes No
Your Quote Form has been sent successfully. Close this notice.
8 months ago · by · 13 comments

How to Save Money on Liability Coverage

Please follow and like us:

An ounce of prevention is worth a pound of cure – especially when it comes to reducing the expense of business liability coverage.

With a little planning and preparation, it’s not as difficult as you might imagine. Simply follow these steps to start saving and minimizing the ever-rising rate increases associated with insuring your business.

  1. Put it into Writing: Make sure that every employee knows and understands what is expected and the proper protocol when dealing with equipment, injuries or other situations. Implement a chain of command and actually adhere to it. Research shows few small business owners have written safety policies and even fewer put them into action. Update it frequently and keep a signed copy showing that each employee has read the policy upon being hired
  2. Carefully Screen Applicants: The first step in maintaining a safe workplace is to hire safe employees. Employees with a history of substance abuse have been associated with everything from increased risk of injury to increased risk of driving accidents; worse, they typically have higher rates of tardiness and unemployment. Drug screening and testing may play an important role in minimizing the cost of liability insurance for your company. Ask your agent how much you can save by performing routine drug screening prior to hiring and/or testing for drugs in the event of an accident or injury during work hours.
  3. Comparison Shop: It’s always wise to comparison shop in order to obtain the best rates, but remember that rates alone aren’t enough if the company isn’t responsive to your needs. Take the time to compare price, service and satisfaction ratings by other business owners before making a final decision. It’s a good idea to review your policy at least once each year or more frequently should you encounter a major change in staffing or other business operations


  1. deanna says:

    Those are 3 very important points! Good advice here

  2. Danay says:

    Great post on liability insurance. As a business owner, it’s a must to be on top of your coverage.

  3. Emma says:

    Shopping around is so important – never just go with the first offer. And if you get a great one you can use it as a negotiating tool if you’d prefer to go with a different company!

  4. great tips especially putting it into writing

  5. Julie Cao says:

    Thanks for all those tips to prevent the exorbitant expenses of liability coverage. It is easy to put into writing but adhere to the protocol takes some times and sanity, but it is for the best.

  6. Danielle says:

    Putting safety guidelines into writing is really important. I remember when working for a small electronic medical records company, having to go over safety guidelines with our employees for scanning equipment we used. You have to consider that even some things that should be common sense, still need to be clearly written and communicated. You have no control over your employees actions and there’s no telling when something could happen. Even for managers or supervisors dealing with injuries that may occur, having the protocol laid out is just as important.

    1. Mrs. Mapp says:

      I totally agree, you’re never too small to start thinking about protocol’s.

  7. Claudia says:

    Great info thanks for sharing!

  8. Blair villanueva says:

    Thank you for sharing these tips and i learned a lot. This will guide me for my future insurance issues before it will happen.

  9. Helen Vella says:

    Very sound advice, you make it easy to understand.

  10. michenn says:

    Wow, what a helpful blog post! This is not something I would normally think about but it’s great that you’re writing about it and showing other people these tips. Thank you.

    1. Mrs. Mapp says:

      Thanks. I love helping small business owners save moneyl

Leave a reply

Your email address will not be published, and your website url is not required.

Enjoy this blog? Please spread the word :)