tip of the month: Partner with your Insurance Company.

• Position: CAMICO Insurance

Find out how well your company delivers services and responds to you before you have a claim. Here are a few good ways to do this:

* Discuss questions about the insurance application and the information requested with your underwriter or agent. This will help you avoid errors, which could result in a higher premium. A phone call is an easy way to correct errors before they occur.

* Understand what the appropriate policy limits would be for your firm. Excessively high limits can create a bigger bulls eye for claimants and potentially lengthen the claims process. But also you need enough in limits to protect your firm in the event of a severe or frivolous claim. A specialized underwriter, agent or account executive will work...