Do I need to use an insurance broker to buy business insurance?

I run a small independent shop, and require business insurance. Does anyone offer this direct like household and motor, or do I have to use a specialist broker?

Business insurance is much more complicated than home or Auto insurance. Although there may be websites that offer coverages, what coverages do you need and what coverages are just wasted money? Not many people know the answers to these questions when shopping for business insurance.

I would recommend using an independent insurance agent as they can market to multiple insurance companies and make sure to find you the best deal out there. And as stated above, insurance agents are NOT middle men, we are an INDEPENDENT individual that is here to help you find the right coverages for your business. Would you rather have an employee of the insurance company telling you about the "specials" and "discounts" their products have, or would you rather have an independent agent tell you which company is the best fit for you?

Companies that write direct did not ELIMINATE the "middle man", they just hired him and now has to pay him commission and pay for his benefits.

Good luck to you!

I don't think so because my understanding is that an Insurance broker is only really a man in the middle that charges for his service

We've found AXA to be pretty good. You can go direct to them on-line - see the address below - and they have insurance specifically for small shops.

Good luck with your new venture! For more information on starting your business visit www.parrexcellence.com

Hello, business insurance is much more complicated than home or Auto insurance. I found interesting information about your business-insurance answer here. Goodhttp://all-insurance-online.blogspot.com... luck!

You don't need to use an insurance broker - in the same way that you don't need a lawyer to make a will or argue your case in court.

But it certainly helps! Your specialism is running a shop - it is not understanding what insurance policies or cover you need - and a mistake could result in you losing your livelihood.

So trust the professional - not amateurs on forums like these.