If you are in business it is more than likely that you either own, rent or lease some type of commercial property or premises in which to carry out the business activities.
The buildings and or premises contents will need insurance cover, however if you are just starting out in business it is unlikely that you are aware of either the costs of commercial property insurance or the types of policy and covers that are available.
In the past businesses tended to rely upon the services of a local commercial insurance agent or broker to advise upon property cover and research quotes.
Times have changed and today the Internet allows an individual business person to research online for commercial property cover and compare premiums at the click of a mouse.
There are many types of providers of this cover online from small insurance brokers offering specialist services and quotes from schemes through to large price comparison websites comparing quotes from multiple providers and direct commercial insurance companies offering their own products.
Within these groups of providers are various types of policy and package aimed at differing business premises and trades for which property insurance quotes are provided.
Office packages cover all businesses operating from offices, for both buildings and contents. Many offices are rented and the tenants can get quotes online to compare for just the contents property.
Commercial property insurance comparisons for landlords and let property are widely available online from comparison sites, insurers and brokers, for when buildings only cover is required by the owner.
Similarly with a shop package which covers buildings and contents insurance for all types of high street properties from shops to take-aways and restaurants, quotes can be obtained from all three sources online and for either building or contents risks combined, or alone.
Even those larger businesses that use the services of an intermediary due to the complex nature of their business, can easily compare commercial property insurance online to assert or not as the case may be, that their broker is providing the best deal.
Where a commercial enterprise does not fit a standard online property insurance quotation system, the business owner will need to complete a more comprehensive application which specifies the property risks they wish to insure.
This is known as a commercial combined property insurance policy and it is not possible due the multitude of various businesses that do not fit standard underwriting criteria, to compare quotes for these types of commercial property online.
As with all insurance it is a straight-forward process to search online and shop around for commercial property cover. When comparing prices and premiums online it is important to remember to compare the policy covers as well, as not all policies are the same.
If you are a small business owner with a turnover of under 2 million per annum and no more than fifty employees then the Internet can provide some of the best value quotes available in the current property insurance market.
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