Getting the right business insurance doesn’t have to break the bank. With THAgency’s access to nearly 100 carriers, we can help you secure essential coverage at the most competitive rates available. This guide reveals how to find budget-friendly policies without sacrificing protection.
1. Choose Only Necessary Coverage
Not every business needs every policy. Our THAgency experts will help you focus on:
✔ Legal requirements (e.g., workers’ comp if you have employees)
✔ Industry-specific risks (e.g., professional liability for consultants)
✔ Asset protection (e.g., property insurance for physical locations)
THAgency Advantage: We eliminate unnecessary add-ons that 35% of small businesses overpay for.
2. Bundle Policies for Maximum Savings
Through THAgency, you can access customized Business Owner’s Policies (BOP) that combine:
Average THAgency client savings: 15-25% vs buying separately
3. Optimize Your Deductibles
Our advisors will help you determine the ideal deductible level:
✔ Higher deductibles = Lower premiums (good for businesses with emergency funds)
✖ Lower deductibles (recommended when cash flow is tight)
THAgency Example: Raising your deductible from 500to500to1,000 could save 10-15% annually.
4. Implement Risk Reduction Strategies
THAgency helps you qualify for premium discounts through:
Security system installations (5-10% discount)
Employee training programs (up to 15% discount)
Cybersecurity protocols (reduces cyber insurance costs)
5. Payment Options That Save You Money
We’ll advise on the most cost-effective payment plan:
Most Affordable Business Insurance Types Available Through THAgency
| Policy | Average Annual Cost | Who Needs It Most |
|---|
| General Liability | 500−500−1,500 | All businesses |
| Professional Liability | 800−800−2,500 | Consultants, service providers |
| Workers’ Comp | 0.75−0.75−2.74 per $100 payroll | Employers |
| Commercial Auto | 750−750−2,400 per vehicle | Companies with fleets |
| BOP | 800−800−3,500 | Small offices/retail |
Why THAgency Delivers the Best Value
With access to nearly 100 carriers, we guarantee you’ll get:
✅ The lowest legitimate price available
✅ Perfectly matched coverage for your business
✅ Expert advice on cost-saving strategies
“Our clients save an average of 28% compared to going direct to insurers.” – THAgency 2024 Client Survey
