Insurance vs. protection?

First, make sure your coverage is in line with your requirements. In other words, don't over-insure.

Second, shop around and compare prices. Schedule to repeat this process prior to each annual renewal date.

Third, keep a well-maintained and safe environment, vehicles and equipment, train your people on safety practices, and how to help you avoid disasters, such as fires. Keep fire extinguishers handy.

Fourth, install a monitored security and fire system, which will not only alert to potential losses before they go too far, but also will get you a discount on most property and casualty policies.