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Millersport business insurance coverage is one of the main insurance policies a business owner must obtain. But, because the premium of a business insurance policy can be so pricey, entrepreneurs often wonder if there are proven methods in which to reduce the costs. 

Below are five effective ways to reduce your business insurance premium, while still enjoying a high level of coverage.

Insurance Locks 

One of the top ways to reduce your business insurance premium is to have bolt locks installed that are also called insurance locks. A bolt lock is a lock that consists of a sliding metal bar and due to the fact it doesn't have a keyhole; it is very hard for burglar to pick. This increases the security of your business and lowers your risk of being broken into. This also applies to security alarms.

Car alarm systems for business vehicles 

If you have commercial auto insurance and you have more than one employee driving your vehicle, your insurance premium will be a bit high. However, you can reduce your premium by simply adding an alarm system on the car. This may cost a pretty penny, but it will save you money in the long run on your monthly insurance premiums.

Stamp out irrelevant coverage 

Before signing up to a business insurance policy, ask the insurance agents which items are optional endorsements. These endorsements can be removed since they are add-on's. Removing irrelevant options can reduce your insurance premium.

Correct your classification

Make sure your business is insured under the right class. Classifying your business incorrectly can cause your insurance premiums to skyrocket. If you are a painter and you listed your business as a construction business, you will be paying too much for your insurance since this is a higher risk category.

Smoke Detectors and Sprinklers 

If your business manufactures products, your building needs to be up to code and considered safe. Fires start every day in factories and most of these fires start from malfunctioning equipment. Having smoke detectors and carbon monoxide detectors and a sprinkler system can greatly reduce this risk. Therefore the business insurance provider will reward you with lower premiums.

For more information about saving money on your business insurance premiums, please feel free to give Tom Jones Insurance a call at 740-467-2040 or contact us directly at

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