If you are a small businessman there are never enough hours in the working day. Indeed most people even take their work home with them.
Finding insurance cover for your business used to be a time-consuming and tedious business which required specialist assistance, however all that has changed with the arrival of online business insurance comparison sites and pricing systems.
Thanks to the Internet an accountant can now search and compare professional indemnity and liability insurance quotes from multiple suppliers from his office or on his mobile.
A builder out on site can check to see what the costs of adding new sub-contractors to a policy will be and who is offering the best deals and bargains for tradesman insurance.
A shopkeeper wanting to employ staff can compare prices for shops employers liability cover while serving customers.
With access from Internet enabled devices any small businessman can now easily compare business insurance quotes for his particular company type, property or trade from virtually anywhere.
There are many price and cover comparison offering available online for small business cover today.
The big four price comparison sites that have established a reputation in providing car and home insurance premium comparisons to the public are prominent and offer good value products for a wide range of trades, however the lack of any human help or assistance in the buying process does not bold well for adequate communication when it comes to making a claim.
These large price aggregator sites are also limited to one or two suppliers and the choice of policy and cover is often limited.
A far more satisfying experience in purchasing and comparing business cover and quotes online can be found at any one of the large business insurance brokers websites. They all offer comparisons as well but often with much more choice of insurance company or underwriter.
The insurance brokers have web enabled comparison panels of commercial insurers with much more flexible policies and a wider choice of covers.
Already having established and larger books of business than the price aggregators, the brokers are able to offer the same covers from more companies, often with substantial discounts due to economies of scale leading to cheaper premiums quoted.
Both types of comparison website allow the policies to be bought online and cover effected immediately.
Typical small business insurance covers compared are liability insurance packages and business property packages that include buildings and contents insurance, fittings, equipment and stock cover.
Business liability packages are compared by trade or profession.
Property covers are offered by property type such as a shop, office or let property comparison tool.
To compare business insurance quotes online you will need certain information to hand, although a business policy application is far quicker and easier to complete than a motor proposal.
In the best online systems there are few form fields to fill out and postcode, trade type, number of employees, turnover and limits of liability or sums insured are the only pieces of information you need to provide, to compare quotes from a range of suppliers.