If you are looking for a cheap salon insurance quote, there are a few preparatory steps you need to go through, to help get the best deal. We are not saying that these steps are the be all and end all of getting a better deal but it will, in most cases, result in your business saving some money.
Step 1 – it may sound simple, but gather all of your business insurance documentation together. Put this in date order in a single file so that you have all of the information to hand. When you have done this, put a summary sheet at the front that lists the annual premiums you have paid, and any credit interets charge, over the years since you started trading.
This way, you can see the trend in your premium, or annual insurance cost, to understand whether the price has gone up or down over the years.
Why follow step 1? You can use this information as ammunition to go to your existing broker. If they try to increase your premium, you can provide them with evidence of how much you have paid and that, if you are claims free, you are not going to accept an increase. In 95% of cases this will result in a premium freeze.
Step 2 – Speak to an independent business insurance broker. Although we are one oursleves, we cannot stress the benefits of speaking to someone about your insurance. The numerous websites springing up that offer to compare business insurance do not offer any one to one advice. A broker understands your business, understands the insurers that cover your type of business and also has the ability to search the market in an intelligent way.
Why follow step 2? If you have time, call two brokers and visit two comparison sites. You will then see a world of difference in the service, advice and hopefully price.