If you visit most of the online business insurance websites, they will offer you three categories for surgery insurance. Doctor, dentist or vet. But what happens if you are offering medical services that strictly do not fall within one of these categories?

If you have read some of the businessinsure posts in the past, you will know that we are sticklers for making sure that you insurance policy does the following two things. First off, it should include a precise definition of what your business does and secondly, if you expand your business activities then your policy should cover all of these as well. Do not fall into the trap of selecting a category because, either you think it is a about right or you have ot pick this one otherwise the autoquote online software will not provide you with a quote. These websites that do provide quotes have their place. But only for three types of product as far as we are concerned. Motor, houses and travel. Everything else needs ot be underwritten on a manual, or human basis. They say that a picture paints a thousand words. A five minute telephone conversation can provide us, as brokers, with more information than you spending half an hour on a poor website.

This leads us to insurance for surgeries. We need to firstly point out that we cannot provide professional negligence or professional indemnity for most trades. In certain cases we can provide medical malpractice cover, speak to us first though. Normally you would get this cover through your trade or professional body at a substantially cheaper price than we would ever be able to provide.

Aside from the professional indemnity, we can cover mist other types of surgery. We can provide packages for all types from aromatherapists to dermatologists to gynaecologists, hypnotherapists and psychologists. If you do not fall within this trade list, give us a call because we have over 100 different categories. And all our advice and quotes are free!

With business insurance, you do not really get a sale season, prices remain fairly static throughout the insurance year. The best way for you to get a competitive alternative is simply to look around.

Insurers are getting a bit tighter with their pricing during 2011. All this means is that they starting to get a bit tougher (but not too much) on their increases. They have realised for years that they have been underpricing business but they are still a little bit frightened of putting through significant double digit increases on all business as this would mean a loss of market share.

So, whilst we cannot guarantee some sort of percentage reduction, we do know that with our experience and knowledge of the market we can look in the right places to get you the best deal. Take for example surgeries insurance. If you travel around every single town, village and city in the land, you will find doctors, dentists, vets and a whole range of other types of surgery. Some of these are quite imposing buildings which you would think are quote expensive to cover.

But, there are a number of insurers that are not only still keen to pick up surgery insurance policies, they are positively fighting to get this business on the books. When we say fighting this simply translates to them offering better cover for better prices.

If you find that your policy has gone up in excess of 5% (premium wise) and you have not had a claim in the past twelve months, then you are probably paying too much and now is the time for you to look elsewhere for a quotation.

So, no they are not offering a special 28 day February sale, but if you look in the right places you can always find yourself some sort of bargain, whether this is better cover, better prices or interest free instalments.