If you run or own a business or any commercial enterprise, no matter the type of activity in which you are engaged you will need some type of business insurance protection.
Before you buy any cover you will need to get business insurance quotes for the risks that the business might face. These will either be quotes for business property risks or business liability risks, dependent upon they type of work you do and where you do it.
Quotes for all type of enterprise are available either by visiting a local broker, direct from an insurance company by phone or on the Internet from a variety of sources.
Using the Internet to find cover for your business is perhaps the easiest method today of obtaining multiple quotes from many different suppliers in a short period of time. The range of provider and cover available for different trades and professions is extremely large and prices vary accordingly.
Finding a good supplier is usually simply a matter of searching the Internet for insurance for your trade or business type, which will return a host of specialist providers offering quotes.
Online quotes are available from business insurance brokers, direct commercial insurers and price comparison sites, the latter which offers a wide choice of policies and covers for most risks.
Liability insurance quotes are available for all trades and professions and offer public liability and employers liability cover as standard. Many liability packages available on the Internet will offer quotes for tools and equipment loss or theft cover for small businesses and tradesman. These packages often include covers or the option to add additional insurance such as goods in transit cover, sub-contractors and temporary workers liability and business interruption insurance to a quote.
Business property insurance quotes are available for all business premises, business premises contents and stock. As with liability insurance it is easy to find providers online who will offer comparative quotes for both buildings and contents business insurance for much commercial property.
Quotes can be compared for both owners or landlords who simply wish to cover the buildings element of the business property and also for tenants and lease-holders who will want to insure the contents and business stock. Typical packages that quotes are available for online, are for all types of shop, office or commercial residential property
Not all properties can be quoted for online as they may have special underwriting requirements, and it will be necessary to approach business insurance brokers to get quotes. Examples of such premises are large hotels, public houses, manufacturing premises, factories, warehouses, storage facilities, industrial plant, engineering risks and any building that will not fit the defined criteria for a standard office or shop insurance package.
In order to get quotes for these types of business property it is necessary to apply for what is known as a 'commercial combined' policy which has specific risk sections that need to be completed and revised by an underwriting agent, before the risk can be quoted for.