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Spend Less on Business Insurance

Your agent may know something you don't.

Ask your insurance agent about risk reduction tactics that you can use to help save money. Altering your business practice-for instance, installing better locks or brighter lights to prevent crime-can cut your risk and your premiums. You may even want to change your business operations to get rid of a high-risk activity.

Excerpted from Start Your Own Business: The Only Start-Up Book You'll Ever Need