Ways to Save on Commercial Liability Insurance Premiums

Statistics show that about 60 percent of all businesses will be sued either by a customer or an employee. Generally, more than half of these claims will be due to personal injury an individual sustained either while employed or as a customer of your business. Commercial Insurance in Houston is essential when faced with these types of situations. The following are a few ways that you can lower your commercial liability insurance premiums, which can save your company a lot of money.

Improve Flooring

A number of accidents are caused by slippery floors, either due to the material used on the floor, or by not properly sealing or finishing the floors. If it is determined that the finish on your floor is causing slips, then you should hire a flooring contractor to refinish the surface. Having well laid out exit path is also very important for any commercial business. By hiring an experienced interior designer, you can fix any exit problems they may be causing accidental confusion.

Parking Lots and Sidewalks

You should closely monitor your parking lot and sidewalk for any bumps or breaks in the concrete that can potentially cause accidents. Over a period of time, parking lots will develop potholes, which can easily damage vehicles on your property. By employing an experienced concrete company, you can ensure that you parking lot and sidewalk remain in working order. You need to also make sure that the parking lot has proper signage indicating any hazards that are present. This will help to limit accidents caused by incoming traffic or pedestrian crossing areas that aren’t clearly marked.

Air Quality

Hiring an experienced HVAC technician to come in and evaluate your air conditioning system for any possible air pollutants being present is a great way to ensure optimum air quality in your building. Harmful chemicals such as carpet pollutants or radon gas can make their way into your air system, which will then be distributed throughout your building. It may be necessary to call a plumber if radon is detected because this gas is commonly found in your plumbing. By spending the money on hiring these professionals, you could be saving yourself thousands of dollars in lawsuits or insurance premiums.

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