Implement a hazard awareness training programme for workers and new recruits to show you're serious about cutting risks.
Appoint a designated health and safety representative to conduct daily risk assessments.
Thoroughly vet new employees before they start work. Keep the records. It shows there's less chance of you hiring someone who'll run off with the daily takings.
Anything that reduces the risk of fire - including smoking bans - cheers up insurers. An annual electrical check by a qualified electrician is essential.
Setting higher standards of food safety than is required by law can also have an effect. Cleanliness reduces bacteria, reduces infection and reduces premiums.
Get an annual survey conducted by an insurance broker followed by an action plan to implement their findings.
CCTV, double locks and alarms all help reduce the risk of theft and burglary.
Ensure any ducting equipment is regularly cleaned to suck out fat and grease - a common cause of kitchen fires.
Fully automated fire alarms are better than standard smoke alarms.
One year of no claims could mean further discounts. Consult a broker to get the best deal.
Information supplied by Martin Nugent at UK & Ireland Insurance Services