One method to cut your exposure to growing insurance premium costs is to annually evaluate the costs of variable deductible levels. Choose higher deductibles to drive down your insurance premium costs. You are accepting part of the risk obviously, but this is especially recommended if your firm has a low rate of accidents or claims and a good safety program and record. If you are worried, save the difference in premiums separately in your bank account in the event you have a claim. If your broker does not seem to be able to find higher deductible limits with cheaper premiums, call another broker to get comparable bids. Ask for all levels of risk and premium cost. These various levels of risk are on the market. Look for them and save money, especially if your company is accident-free and very safety conscious.