Running a business, whether your own or on behalf of someone else, is extremely hard work. If this business is a restaurant, then not only is it extremely hard work, there are pretty thin profit margins and the hours are long.
Finding cheap restaurant insurance may be something that is fairly high up your list of priorities, but finding the time to do this can be hard. As with any financial service or product, you do need to provide certain information in order to obtain a quote.
You have a couple of choices when looking for alternative quotes. On the one hand, you can visit a website that “offers” to compare business insurance and on the other, you can speak to a broker who is legally obliged to scour the market on your behalf and offer you the best price for the widest cover.
The problem we find with the comparison sites, is that they try to be all things to all men, you can spend ages putting in the required information and then, at the very end, they say you will need to discuss it with one of their representatives. This tends to happen more for licensed and food trade businesses.
If you choose to speak to a broker, then you will be conversing and discussing your insurance with a human being. Their job is to guide you through the information providing process to ensure that you give the correct information, the fuller the information the more likelihood there is of you getting a competitive quote.