InsuranceFirst Services





Managing Your Commercial Insurance Plan


You can take some basic steps to help manage your insurance plan - and thus, premiums. The following list includes only a few helpful steps. Consult with InsuranceFirst Services and loss control representative to learn more about containing insurance costs.


General Considerations

  • Increase your deductibles
  • Establish a safety program
  • Implement and maintain professional loss control recommendations
  • Notify your insurer as soon as you learn of a loss


Property Protection

  • Keep your workplace clean and orderly
  • Carefully store all combustible products and equipment
  • Make sure all fire extinguishers are accessible and in good condition
  • Establish emergency procedures and conduct employee drills
  • Install a sprinkler system at your workplace and inspect it regularly


Automobile Protection

  • Review the motor vehicle reports (MVRs) of your drivers annually
  • Establish fleet safety and fleet maintenance programs


Employee Workers' Compensation

  • Maintain accurate records of payroll divisions
  • Maintain an accurate OSHA log
  • Carefully review and track the progress of all Workers' Compensation claims
  • Implement an occupational injury management program to help bring injured employees back to work quickly