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    Accurate Protection reveals unrecognized problems and delivers unanticipated solutions allowing you unforseen opportunities for better protection of your company assets. Our comprehensive view of your insurance program ensures that every avenue for risk mitigation and cost containment is explored.

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  • Risk Management

    Our unique process, Accurate Protection 365, will give you the tools to easily and effectively manage risks, control claim costs, increase safety awareness and build employee morale. We produce positive results that place risk management resources where they yield the highest return.

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    Access over one thousand documents designed to help you with:

    Cost containment, Safety programs, OSHA compliance,Claims reporting, Employee communication,Legislative updates and more.





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  • Access over one thousand documents designed to help you with:

    • Cost containment
    • Safety programs
    • OSHA compliance
    • Claims reporting
    • Employee communication
    • Legislative updates and more

    Learn More
  • Experience Modification Review

    Accurate Protection provides an in depth analysis of your experience mod. We pinpoint cost drivers, such as frequency and severity, and develop specialized loss solutions to address your business’ specific needs. Call us today to reduce your experience mod and discover competitive advantages available to you.

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The factors that affect the cost of your business insurance plan

Posted on by editor

When it comes to insurance plans, businesses and individuals both tend to consider plans with the lowest quotes and costs. The truth is, there are a lot of things that can affect your insurance rates, and the cheapest plans are rarely the best. Here’s what to know:

  1. The kind of insurance plan and coverage: General liability is usually the least expensive coverage, and it covers damage to property or injury to people as a result of your business. Professional liability covers damages that result from your business itself, usually financial losses.
  2. Size of your building or office: Property insurance is usually part of a business insurance plan. The size of your building or office space will affect your insurance prices in order to ensure adequate coverage for disasters, weather or accidents.
  3. Risk-level of your industry: Sometimes coverage costs will vary based on your industry. People who own a construction company may pay more for their premiums than those who own an accounting firm or a restaurant franchise.
  4. Location of your space: Location matters. Not only will the right location bring more customers to your door and into your space, it will affect your insurance costs. Is your commercial space in a floodgreen park front of office builsings zone or an area more prone to earthquakes? Just like homeowners’ insurance, business property and commercial insurance may vary based on location.
  5. Revenue: How much money does your business bring in? What is your business worth? The more money a business has or makes means the more they might lose in the event of a lawsuit. Business insurance can help prevent or offset the cost of legal action. To utilize this protection, your premium payment will be in proportion to the amount of coverage you need based on the business’s assets and value.
  6. Number of employees: Workers’ compensation insurance is directly related to the number of employees it covers. A larger workforce means more coverage is needed.
  7. Claim history: Just like other insurance policies, your coverage costs can go up if you’ve filed claims in the past. Businesses who have filed previous claims may be subject to higher premiums in order to stay protected.

When it comes to your business, don’t take chances. Buying into an insurance plan because it costs the least means you might not have the right coverage or enough coverage for your business. Call us today so we can quote you on the right policy protections at a fair price.

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