When it comes to controlling how much your insurance policy costs year over year, there are some things you can control—and some things you can’t. Market trends, nuclear verdicts, investment returns—they’re all factors that every insurance buyer is subject to, so there isn’t much you can do to change their impact. However, it’s not all out of your control. There are always at least three areas where you can make small changes that can have a big impact on your business—and make you a better risk.