Discounts & Savings

Business owners need to control costs for all aspects of their operation. We understand the need to balance good coverage with affordable policy premiums. Our goal is to help you select a quality policy with the best possible value for your insurance dollar. This page includes some ideas and suggestions to save on the cost of your business policy.

Shop and Compare

Carriers have different rates so it is advisable to shop. We are able to compare several top rated companies for you. We can also give you information on of how the coverage�s compare.

Do Not Over Insure

It is important to have enough coverage but it is best not to insure for too much. For example if you have a building worth $800,000 that is on land worth $200,000, you may only want to insure for $800,000. Or if you have an actual cash value policy for your contents, you may want to reduce contents coverage to account for depreciation.

Alarm Discounts

Most carriers offer a discount for a monitored alarm. It is advisable to have a good monitored alarm for burglary and fire.

Multi Policy Discounts

You may qualify for discounts if you get multiple policies with the same carrier. For example, a business owners policy and a workers compensation policy with the same company.

Avoid Claims

Many carriers have a discount if your business is claims free. If you do have claims the cost of insurance may be much higher. It can become very difficult to even get a policy if you have multiple claims. Some claims like hurricanes are not avoidable. However, management can take steps to reduce the chances of having a loss. A good training program for new staff can greatly reduce the frequency of accidents and claims. Some of the key items to cover are avoiding slip and falls when liquids spill or during floor cleaning, safe preparation and storage of food, safety precautions when using or cleaning deep fryers (and other cooking equipment), proper cleaning and sanitizing of equipment, safe use of cooking knives, and more. Any meeting is a good time to reinforce the importance of safety. Some carriers provide information about risk reduction with policy documents.

Other Discounts or Savings

Please ask one of our agents about other ways to save on your policy premiums. We want to help you get a Houston restaurant insurance policy with a low cost!

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