The simple answer to this, is get someone else to do it. We have had to get used, over the years, to a plethora of price comparison websites.
Now, we think they are a good idea, but you do need to tread carefully when visiting, and using, one that offers to compare business insurance for you. There are reasons why we suggest you tread carefully, and these are as follows:-
I could set up a website tomorrow, that offers this service. But how do you know that I am looking at the whole range of providers. Insurers don’t offer agencies or the ability to sell their products to any Tom, Dick or Harriet. So, my website may only have two companies. I am offering a very restricted comparison but legally, it is ok.
If we extrapolate this a bit and I have ten companies to compare, how do you know that you are getting good cover? You may put in all the details, fill in all the boxes, but at the end of the line, it is the price that comes up in biggest and brightest letters. They are hoping that you will think, phew I have told them everything, this must be the best deal around.
Hold your horses! The website, if you look around at the small print, does not offer to give you the best or even market comparable cover.
So, what is the best, and only way, to go through this process correctly? Speak to a business insurance broker. This is how you get the process done correctly, you talk to an intermediary (who is independent) give them your details and then, you go away and let them do all the running.
If they are any good, within one day at the latest, they will call or email with the best price/terms they can get. True, a broker may only have two companies to compare (legally) but ask them the question. If it is only two, then why?, if you are not happy with the answer, then look elsewhere.