{"id":850,"date":"2025-06-25T10:24:46","date_gmt":"2025-06-25T09:24:46","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=850"},"modified":"2025-10-22T11:43:48","modified_gmt":"2025-10-22T10:43:48","slug":"why-use-an-insurance-broker","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/why-use-an-insurance-broker","title":{"rendered":"Why use an insurance broker?"},"content":{"rendered":"
\n
\"Navigating<\/figure>\n<\/div>\n\n\n

When it comes to buying professional insurance, we get the feeling most people think the man in the middle is a hindrance, not a help. So why use an insurance broker?<\/p>\n\n\n\n

The problem is, buyers tend to think that any additional link in the chain means more cost and hassle to them. And insurers encouraging people to \u2018go direct\u2019 only serves to rubber-stamp this feeling.<\/p>\n\n\n\n

But don\u2019t pick up the phone to that one-stop, do-it-all, household name insurer just yet. Not surprisingly, we reckon there are compelling reasons to use a specialist insurance broker instead.<\/p>\n\n\n\n

<\/p>\n\n\n\n

5 good reasons to use an insurance broker:<\/h2>\n\n\n\n

<\/p>\n\n\n\n

1. Service<\/strong><\/h3>\n\n\n\n

Brokers aren\u2019t tied to any one insurer. A quick chat with you is usually all they need to find a suitable policy from the insurers they work with. That means you get the right cover at the right cost.<\/p>\n\n\n\n

We\u2019re guessing you’ve probably not studied the technical ins and outs of, say professional indemnity insurance<\/a>. A lot of brokers have, however, and that makes them an expert. You’ll get the benefit of that expertise when they talk to you about the cover you need.<\/p>\n\n\n\n

That same expertise applies to mid-term changes and queries too, with the added bonus that most brokers prefer to deal personally with the same customer whenever possible. That\u2019s not always the case with large, direct operations using call centres.<\/p>\n\n\n\n

<\/p>\n\n\n\n

2. Cover<\/strong><\/h3>\n\n\n\n

Direct insurers can only offer you one policy: theirs. It\u2019s often written for a mass market and it\u2019s difficult, if not impossible, to tailor to your specific needs.<\/p>\n\n\n\n

Unusual or multiple business activities, high-value property, exceptional contract requirements or just a box you can\u2019t tick could all mean you need something different.<\/p>\n\n\n\n

A broker recognises extraordinary requirements, identifies the cover you need, arranges it with an appropriate insurer and makes sure your documents are present and correct too.<\/p>\n\n\n\n

Business insurance is pretty complex. If you\u2019re not sure where to start, asking an impartial expert to help makes sense. That way you get the insurance you need, without the extra stress.<\/p>\n\n\n\n

<\/p>\n\n\n\n

3. Price<\/strong><\/h3>\n\n\n\n

You\u2019d be forgiven for thinking that this is where the broker falls down. You must be paying for that extra link in the chain, right?<\/p>\n\n\n\n

Well, contrary to popular belief, brokers can offer cheaper policies than direct insurers.<\/p>\n\n\n\n

How? It\u2019s simple: insurers can give different (lower) rates to brokers than to their direct customers. That might seem odd but it\u2019s for a good reason.<\/p>\n\n\n\n

It’s because business through brokers is a lower risk for insurers. Brokers are professionals and their job is to properly assess their customers\u2019 risks and find suitable cover. The theory is that insurers use brokers to choose the right policy with the right cover at the right price for any given customer \u2013 avoiding claims and maintaining the insurer’s income. And it works, too.<\/p>\n\n\n\n

<\/p>\n\n\n\n

4. Claims<\/strong><\/h3>\n\n\n\n

This is probably the best reason to use a broker. Frankly, when the worst happens, you need all the help you can get.<\/p>\n\n\n\n

A broker represents you, not the insurer, and it\u2019s their job to make sure your interests are covered. Business insurance claims can be complicated and time-consuming. The benefit of having an insurance professional<\/a> there to guide you, monitor the claim\u2019s progress, and make sure everything happens when it should, can\u2019t be underestimated.<\/p>\n\n\n\n

Brokers understand the technicalities of your policy and, in the event of a disputed claim, can argue the case on your behalf with the insurer. A good, respected broker really can be the difference between an insurer paying a claim and not.<\/p>\n\n\n\n

<\/p>\n\n\n\n

5. Regulation<\/strong><\/h3>\n\n\n\n

The insurance industry is highly regulated. Especially for brokers. This regulation is great for you as a customer, though. It protects your rights as a consumer, and makes sure you\u2019re getting the advice and service you deserve.<\/p>\n\n\n\n

Before you choose a broker, make sure they\u2019re regulated<\/a> by the Financial Conduct Authority<\/a> (FCA). The FCA ensure that brokers follow a set of guidelines designed to protect customers.<\/p>\n\n\n\n

You should also check whether they\u2019re authorised by the FCA to offer \u2018advised sales\u2019<\/a>. This means they can use their expertise to provide you real advice on what kind of insurance you need. To do this, a broker has to complete a strict vetting and assessment process. So you know they\u2019re the real deal.<\/p>\n\n\n\n

Keep an eye out for brokers that belong to trade bodies too. Like the British Insurance Brokers Association<\/a> (BIBA). BIBA, and other trade bodies, have standards and practices their members have to meet.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Bang for your buck<\/strong><\/h2>\n\n\n\n

All in all, there\u2019s no reason why you shouldn’t use an insurance broker<\/a> rather than going to an insurer direct. In fact, find a good one and we reckon you\u2019ll never go back. It can save you time, money, and leave you with a better level of cover. You\u2019ll probably have an easier time if you need to make a claim too<\/a>.<\/p>\n\n\n\n

Ready to get your business insurance through a trusted broker? Give us a call on 0345 222 5391.<\/strong><\/p>\n\n\n\n

Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

When it comes to buying professional insurance, we get the feeling most people think the man in the middle is a hindrance, not a help. So why use an insurance broker? The problem is, buyers tend to think that any … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[290,132],"tags":[45,197,137],"class_list":["post-850","post","type-post","status-publish","format-standard","hentry","category-self-employed-and-freelance-advice","category-small-business-advice","tag-claims-2","tag-insurance-brokers","tag-insurance-explained"],"acf":[],"yoast_head":"\r\nWhy use an insurance broker? Here are 5 good reasons<\/title>\r\n<meta name=\"description\" content=\"Don\u2019t pick up the phone to that do-it-all, household-name insurer just yet. 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