Insurance quotes are a true blessing in disguise for every insurance customer, no matter how big or small. By taking the time to shop around and get insurance quotes, you can always save a little money. And when you save a little here and there, it can definitely add up to big savings in the long run. I never recommend getting an insurance policy without getting at least three or four quotes first, because you can't trust that you're getting the best deal if you don't compare your options to see what the best deal really is.

Remember a few things when you're looking for insurance quotes, regardless of the type of insurance that you seek:

-Never get insurance from a company that you don't know, trust, or that has a questionable reputation.

-Always take the time to compare the coverage AND the cost, not just the cost of the insurance. After all, cheap insurance is no good if it doesn't provide the cover that you need.

-If you don't have time to compare your own quotes online, find a local insurance agent that can check insurance quotes for you. After all, it IS their job to do that. And besides, they might find you a better policy than you would have found on your own.

-Remember that when it comes to insurance, credit counts. You won't face a big increase if you have bad credit, but the lack of responsibility makes you a higher risk to insurance companies, so they might charge you a little more.

-Don't work with any companies that aren't 100% committed to serving you. Whenever it comes to filing claims, the process will be more difficult when you have a company focused on profits and not customer service.

-Insurance is one of the most profitable industries in the global economy. Don't contribute to their bottom line by paying too much for insurance when you don't have to. Be a bargain hunter, and always look out for number one.

These are some things to keep in mind when it comes to getting insurance quotes and policies. You don't have to make it hard, and you certainly shouldn't feel overwhelmed. If it is all too much to take in, just go to an insurance agency near you and let an independent agent do the work for you. It's your call, as long as you don't overpay for insurance when you don't have to.

Asav Patel
'My Journey To Billionaire Club' - Blog Owner
http://www.myjourneytobillionaireclub.blogspot.com/

Article Source: http://EzineArticles.com/?expert=Asav_Patel

Public Liability Insurance protects you against claims for damages caused by accident or injury in relation to your business.

• It covers you against claims for legal fees, loss of earnings, future loss of earnings, and costs of treatments

• It can cover you for your loss of income caused by damage to your business property

• It can also cover you against claims for damages if you accidentally cause breakages on someone else's property or to their equipment in the course of conducting your business

What else can it cover?

• Loss of income due to losing a key member of staff

• Claims against you by a member of staff due to accident or injury

• Claims against you due to accident or injury caused by a product you sell or make

Who needs it?

• It's not usually a legal requirement, but it is often insisted on in order to win contracts, for example, by Local Authorities

• It IS a legal requirement for certain specified businesses that are judged to carry a high level of risk of injury e.g. horse riding schools

• Even when not legally required, it is prudent for all businesses to carry it , as the cost of damages can be extremely high - you may be liable for legal fees, loss of earnings, loss of potential earnings, cost of treatments and damages due to defamation or humiliation.
It has been known for claims to be up to £10 million!

Who can benefit from it?

• Any type of business, including home-based businesses

• Anyone organising events for entertainment or charity, e.g. fetes and sports events.

• Anyone who visits other premises in the course of their business

What cover do I need?

• It depends on the size of your business! The owner of a shopping centre has very different requirement s to the local scout leader running a garden fete

• Use an online Insurance Quote Engine to see how much your Public Liability insurance might cost you

http://www.constructaquote.com/

Article Source: http://EzineArticles.com/?expert=Marco_Bettarini