Large Deductible Program

A commercial setup where the business takes a big per-claim deductible (often $100k+) in exchange for much lower premium. Cash-flow control for bigger firms.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.