what are some ways to keep my insurance costs down

There are several things you can do to keep insurance expenses in check. Performing an annual risk assessment and identifying actions you can take to lower your insurance costs is the first step. Also, your agent can be a great resource to review your existing policies and deductibles, to make sure your coverage and limits are appropriate for your business. Lastly, if you purchase more than one insurance policy from the same agent, don't forget to ask if you qualify for a multi-policy discount.