Choose the highest deductible on your insurance premiums
To lower the cost you pay on commercial insurance, health insurance and employment practices liability insurance; select the highest deductibles the policy will allow. Higher deductibles mean less up front costs each month for insurance premiums. You should keep an emergency fund set aside in the amount of your deductible so you can pay for these costs should they arise. Instead of filing a claim with your insurance company to pay for theft, repairs or injury, consider paying these out of pocket. This will avoid increases to your rates.