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If you are a large manufacturer and you are looking for ways to cut your insurance premium dollars, there are two options that we like to use with our clients.  First, if you have heavy production equipment in your factory that is bolted to your floor, we like to move that equipment over to the building rate instead of the contents rate.  That simple switch saves premium dollars because the contents rate has a theft charge built into the premium.  Thus, about 90% of the time the building rates are lower than the contents rates and we try to save you dollars when we can.

Second, we try to contact our carriers to see if your operation qualifies for a Commercial Output Policy (COP) which also used to be called a Manufacturers Output Policy.  This type of policy gives a little more freedom in the rating of property insurance.

So, please check with your agent to see if you qualify for one of these premium-saving options or give us a call at Brooker Insurance.  I’m Malcolm Brooker and that is Making Insurance Work!

Posted 3:26 PM  View Comments

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