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Quotes for Business Insurance

To get hassle free and quick indications or quotes for business insurance within 24 hours: contact us. We contractually guarantee lowest cost within the global insurance marketplace for tailored coverage that we structure independently of any insurance broker or lobbyist. DeshCap is ranked online #1 for Liability Risk worldwide and Top Operational Risk Advisor.

Alternatively, check out this guide of business insurance premiums for different types of Business Insurance.

How to Get Quotes for Business Insurance

We do not advise to get quotes for business insurance directly from insurance brokers, agents, companies, or any insurance lobbyist, simply due to the fact that insurance is not transparent and any business insurance contract is complicated and when it is sold through brokers it more often than not serves the interests of the insurance companies and not those of the business. The following are different ways to get quotes for business insurance depending on the jurisdiction.

Getting online quotes for business insurance

We do not recommend any business of a certain size to get instant online quotes for business insurance, specifically a business whose insurance spend exceeds $10,000 per year and that is looking for true protection. Online platforms are mostly registered as insurance brokers or companies, and many of them are owned by insurance companies or lobbyists. It is very difficult to change the wording of a contract sold online for the time being and the product will therefore be off-the-shelf favouring the insurer.

Getting quotes for business insurance directly from insurers

Various jurisdictions allow the insured to buy business insurance directly from an insurance company without the involvement of a broker. We view this as one of the least effective ways to achieve strong protection and lower cost.

Getting quotes for business insurance directly from brokers or agents

While we view this way of getting quotes for business insurance as superior to that of going directly to insurers, simply due to the fact that a corporate insurance broker will often market to more than one insurer, it is still not advisable as the business will not maximize value.

Getting quotes for business insurance with the involvement of independent commercial insurance consultants

This is the best way of getting quotes as a truly independent consultant works for the business and is not compensated by brokers or insurers. While the consultant is paid by the business, the net cost including premiums and commissions will typically be lower.

Insurance Business Quotes

Whether you are seeking quotes for an insurance business or a non-insurance business, our team can assist. We make insurance brokers compete against each other to achieve lowest cost on insurance business quotes while meeting coverage needs. It is important to note that insurance business quotes will vary significantly depending on the type and size of the business as well as the type of insurance being quoted.

Getting Business Insurance Quotes

The process of getting business insurance and related quotes depends on whether the business as in-house expertise in insurance management or not. Most businesses don't have in-house insurance experts and should therefore seek the help of independent experts first before communicating with insurance brokers. This is because a business insurance quote or policy is a legal contract with lots of technical jargon that rarely anybody reads and which impacts cost, compliance, and protection, for any business. In fact, getting business insurance can be a full time job with its own skillset because it not only entails getting insurance business quotes but also triggering the wording clinically during an insurance claims process.


This content is independent of any content coming from insurance brokers, insurers, law firms, or insurance lobbyists. Getting quotes for business insurance is rarely taught in schools, and when it is, it’s mostly done through the lens of brokers or insurers. There are many misconceptions around getting quotes for business insurance, like many other topics in commercial insurance, due to bad habits acquired through over reliance on insurance brokers or insurers or information providers who are lobbied by them. It is also important to note that insurance has both an operational aspect and a legal aspect, on which we put weights of 95% and 5% respectively in terms of importance to protecting a business and its investors (the point is that going to court to enforce coverage defeats the purpose of buying insurance, so you want to make sure that whatever insurance you buy protects your organization right and pays out fast on large losses).

construct of quotes for business insurance
Most Business and Investors miscalculate the construct of quotes for business insurance.
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