If you are looking on the internet, it is easy to find hundreds, if not thousands, of sites that allow you to get a business insurance quote. If you use the analogy when purchasing a new car, think of this. Imagine a street with two large car dealers. Both of them have 25 different models of car available. Dealer 1 has one person working the forecourt. You turn up looking for a new car and all they will do is hand you over the keys and let you look at the car and if you ask, you can view the manual as well.
If you aks them about the car you are interested in, their answer is, sorry you must decide yourself. Dealer 2 though, has exactly the same cars and manuals. But, if you ask them for help, they will happily explain everything you need to know about the car from servicing costs, how to adjust the seats to how efficient the car is.
The obvious question is, if the cars are the same price, which dealer would you go to? Dealer 2 of course. Because there is human intervention where they offer to help you decide.
Now turn this back to your insurance. Do you go to a website that just offers to compare business insurance, with no help or advice. Of course you don’t, what you want is a bit of guidance about what is the most suitable product for you. At the end of day, in three months time when your property burns to the ground, you want to have the right cover in place. This is where you need to speak to a business insurance broker. The prices you will get are roughly the same, in fact a broker will usually get you a better price because they physically search the market for you.