(978) 369-0677 | The Howes Insurance Group | YOUR INSURANCE CONCIERGE

“I appreciate that Howes is hands on.”

Tips & Ways to Cut Costs

  1. Choose a knowledgeable independent insurance agent
  2. Involve your workers in the Safety and Risk Control Process
  3. Motivate Safe Work Habits with Incentives
  4. Don’t “SHOP” your insurance Too Frequently
  5. Provide Adequate Information to your agent
  6. Don’t Bid “Excess and Surplus Lines” Coverages Among Agents
  7. Consolidate Effective Dates
  8. Maximize Purchasing Power with One Insurer
  9. Buy Package Policies when available
  10. Prepare for and Verify Premium Audits
  11. Coordinate Liability Policies
  12. Coordinate Automobile and General Liability policies
  13. Coordinate Primary and Umbrella Policies
  14. Schedule All “Insureds”, Comply with Additional Insured Requirements
  15. Don’t Overlook Additional Insured Requirements
  16. Report Acquisitions to your insurance agent
  17. Promptly Report Potential Claims
  18. Buy Adequate Policy Limits
  19. Report Adequate Property Values
  20. Review Property Valuation Clauses
  21. Buy “All Risks” Property Insurance
  22. Don’t Overlook “Time Element” Exposures
  23. Consider Directors and Officers, Fiduciary, and Employment Practices Liability Insurance
  24. Workers Compensation
    1. Obtain Correct Classifications
    2. Verify Executive Officer Payroll Limitation
    3. Check Payroll and Losses
  25. Property Insurance
    1. Consider Higher Deductibles
    2. Invest in Fire Loss Prevention
      1. Insulate Columns of Steel Buildings
      2. Install Fire Doors
      3. Safe Storage of Volatile Materials
      4. Fireproof Cabinets and Off-Site Storage of Important Records
      5. Fire Hydrants
      6. Fire Extinguishers
      7. Sprinklers
      8. Hood Systems for Painting Booths
      9. Alarm Systems

S T R A T E G I C   P A R T N E R S

Jeanne Woodin
DBA The Howes Insurance Agency
271 Massachusetts Avenue, Arlington, MA 02474
(781) 643-0400 fax (781) 643-4672

McCrillis & Keep Insurance Agency, Inc.
44 Auburn Street, Auburn, MA 01501
(508) 832-2871 fax (508) 832-0588