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You can always find a less expensive alternative, but then you have to ask yourself if the insurance company understands your business or if they will be there when it's time to pay a claim. There are three basic areas that you should consider in making your selection. Selecting an insurer that best fits the needs of your business can be a daunting task. We developed this program to provide customers with modern safety management concepts; methods that have proven successful in dramatically reducing accident costs.

This is an accountability-based, safety management seminar for managers and supervisors of the businesses we insure. One tool developed by Argonaut is called S.T.A.R.T. (Supervisor Training in Accident Reduction Techniques). Over the last fifty years, some insurers have distinguished themselves by developing a number of innovative products and services that have put them on the front end of providing risk management tools to customers. Conversely, when you have a widespread catastrophe like fires, earthquakes or floods, it is important that your insurance company have the financial capital to pay the resulting claims.

When you are buying insurance for exposures that may take years to show up and take years before they will be paid, you want to make certain your insurance company is going to be around. Financial stability is another differentiator, because some companies are better capitalized than others.