This might sound odd, but it's important to take action so that you can prevent business insurance claims. Even though the point of having insurance is to transfer risk so that if the worst happens, you're able to keep your business up and running, it's best to take steps to ensure that you don't have to make a claim in the first place. As you run your business, think of these three important things to help reduce risk. 
Maintain Your Equipment
The best way to prevent costly repairs or the possibility of harmful accidents is to keep all machines and equipment properly maintained by adhering to each item's maintenance schedule. This includes everything from computers and ovens to high-end machines and farm equipment. Don't ignore signs of wear or glitches that happen occasionally; stop using the item and have it fixed. While it does take time, and you may have to bring in someone to do repairs, it will cost less money and stress in the long run.
Protect Your Tools and Inventory
Whether you own a small beauty salon with hundreds of dollars’ worth of products in your home or an auto body shop with parts and tools that equal tens of thousands of dollars, you need to have a security system installed to prevent break-ins. Ensure that machines are properly secured, keep expensive equipment or products in a locked case and lock all doors when the business is closed.
Prevent Theft
Employee theft happens in a number of ways, most commonly by them stealing products or raw materials or embezzling funds. Having a good inventory management system in place helps keep track of physical goods, while taking a look at your financial records on a regular basis will help you know if money is being taken. You can also require two people to sign off on sums of money over a certain amount and maintain access to all of the passwords.
It's almost impossible to prevent losses, but by implementing these measures you can greatly reduce risk in your business. Not making a business insurance claim also means that you don't lose out on income and have less paperwork to file. This isn't to say you should eliminate or reduce your insurance coverage; it's still important to have when an unpreventable circumstance occurs.
We’ll be your partner in workplace safety. Call CCI Insurance Services at 530-458-8831 for more information on Colusa business insurance.