When you are running your own business, time is money. You want to spend as little time as possible doing administrative tasks, such as getting business insurance quotes.
So what can you do to make this task easier and quicker? Those of us that have been in business for years can well remember the almost frustrating delays in getting a quote in the past. Insurers have been, and in some cases still are, notorious for taking their time in proving not only the terms and premiums, but also the policy documentation once you have chosen to proceed.
The last 5 or 6 years have seen a massive change in the speed with which the insurers operate. The reason for this change is the internet. Back in the dot.com boom days, the internet was put forward as the answer to buying everything from dog food to second hand aircraft. The two problems that existed then, not enough people having internet access and slow servers, have now been eliminated.
For a few hundred pounds you can get a PC that is 40 times more powerful than one that would have cost you thousands 10 years ago and broadband or fast mobile streaming is now available to the masses.
Insurers have grasped this opportunity and have made available to us, the business insurance brokers, systems that we can go into, input details and get quotes within minutes. Not only that, once we have the quote we can get policy documents in even less time.
To answer the question, you can get an online quote yourself, from the few restrictive direct insurers, within a few hours. It takes hours because you will need to visit each and every site and input all of the same details. Go to a broker though, and you only give the information once. We will then go the sites that we know want your business and we can save you the precious time and money. A basic insurance package, say for a shop or pub, will entail us asking you five minutes of questions.