Lower your business premiums 15–30% without sacrificing coverage. We combine competitive market leverage, experience-mod reduction, and smart claims and safety work to cut cost at the root — not by cutting protection.
No coverage sacrifices · 15–30% premium reduction · Sustainable multi-year savings
Most businesses accept insurance increases year after year, assuming rates are simply "going up everywhere." Often they're leaving real money on the table. As an independent brokerage, First Underwriters attacks cost from every angle — competitive market bidding, workers'-comp experience-mod reduction, deductible and coverage-structure optimization, and proactive claims and safety management — to lower premiums sustainably while keeping your protection intact.
Illustrative examples of how a strategic cost-reduction program plays out across industries. Click through each.
Enter your current annual premium and a savings scenario. A well-executed program at equal or better coverage commonly lands in the 15–30% range.
Illustrative only — actual results depend on your industry, loss history, experience mod, and market conditions.
At this rate, three years of sustained cost reduction is worth about $165,000 — before compounding gains from a lower experience mod.
Four steps that turn an accepted renewal into a lower, defensible number. Click through each.
Filter by focus or search to see how many angles a real cost-reduction program works at once.
Detailed loss-run analysis, benchmark comparisons, and class-code review pinpoint the specific cost drivers unique to your operation — so we fix causes, not symptoms.
Proven safety programs, aggressive claims advocacy, reserve challenges, and return-to-work strategies keep claims from inflating your loss history and future premiums.
Independent access to 50+ A-rated carriers gives us the competitive pressure to negotiate rates and terms most single-carrier agents simply can't reach.
Request a complimentary cost analysis identifying specific strategies to reduce your premiums 15–30% while keeping comprehensive protection in place.
Or email us at info@firstunderwriters.com
Descriptions are general summaries for education and are not a statement of coverage, an offer, or a binder. The case studies, savings percentages, and any dollar figures shown are illustrative examples, not guarantees or representations of results for any specific business; actual savings vary by industry, loss history, experience modification, coverage, and market conditions. Reducing deductibles, coverages, or limits can increase your retained risk. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
