1. Make sure that have the correct job classifications listed in your policy.

2. Have a proper Worker's Compensation certificate of coverage for all sub-contractors that you use.

3. Shop and compare….. Companies differ in a number of ways. We have a company that has five different combinations of rates... some with up-front discounts, others with dividends based on good claims experience.

4. Consider removing officers of a corporation from the policy. First, make sure that medical and disability coverage is in place elsewhere.

5. A properly organized safety committee provides a 5% discount.

6. Deductibles are now available beginning at $1,000.