Be A Member of a Trade Association:
Trade Associations such as Lodging Associations give members the benefit of purchasing insurance at
group rates.

Review Your Industry's Settlements:
Take a look at recent legal actions and settlements in your industry. Speak with others in your industry and find out their amount of coverage. Figure the average legal costs and settlements to set your coverage limits.

Buy A Package of Policies:
Buying separate types of business insurance from different insurers can increase your premiums. It may make sense to buy a package of policies to cover your business and save on rates. You may require a separate Employment Practices Liability policy.

Find A Broker Who Knows Your Business:
There are different risks with each kind of business. In order to get the best coverage and rates, work with a broker who has experience in your industry.