Request Quote – Affinite Insurance

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What Does It Mean to Get an Insurance Quote?

An insurance quote is an estimate of what your rate could be with a potential insurance company. Quotes are subject to change depending on how much information you give at the time of the quote. The more forthcoming you are with information, the more accurate is your insurance quote.

How Long Does It Take to Get an Insurance Quote?

Getting a single quote should not take much of your time, but several factors can affect the amount of time it takes to get an insurance quote. What do you want to cover? Is it a renewal or fresh quote? The answers to these types of questions can impact the amount of time it takes.

How to make a selection of insurance policies you may need to protect your business?

Below chart of insurance policies and description of assets that should be covered by the relevant policy will help you to decide what all quotes or policies you would like us to arrange for your business

Name of the policy (Operational Covers)	Description of Assets
Property All Risk and Terrorism/War	Building, Furniture, Fixture, Fittings, Office automation, Servers, Data Regeneration, Care – custody – control
Business Interruption	to cover standing and variable charge, loss of revenue due to damage to property
Motor & Mobile EQuipment Fleet Insurance	to cover your fleet of vehicle and machinery against accident and breakdowns
Diagnostic tools and medical equipment ( EEI Insurance)	Break down of Electronic equipment policy especially for hospitals lying at various locations, Servors, loss of data
Marine Insurance	to cover whilst your assets such as medical equipment etc in transit from one place to other
General Business liability	Excess Automobile, Employer Liability, Premise, work away, Director & Officer/shareholder insurance, Error and Omission, employee to employee, Workmen Compensation, Key man insurance
Professional Indemnity (Medical Malpractise)	To cover liability arising out of unprofessional conduct of doctors, nursing staff, hospital administration, medicine dispensing- pharmacy
Professional Liability – Other professions	All services being provided by professionals.
Product liability – Medical Equipment	Distributor also have this expsoure due to wrong warehousing or handling of medial equipment whilst in their custody
Employee Benefit/Liabilites policies	Group life with WC top up and Medical Insurance, Travel, Personal Accident, Employee Pension Policies
Named Critical Illness Covers for higher sum insured	Very cheaply available
Miscellaneous Insurances	Money, Fidelity Guarantee and Credit Insurance
Cyber covers	Data Breach, online transfers, Extorsions, Liabilities, Legal expenses
Bite Insurance or Top Up Insurance- example such as arising out of Pandemic or Epidemic	Against few selected perils
Intellectual Property Insurance	IP charges are generally filed in response to instances of great similarity between different products, trade mark, brand names or catchphrases, advertising campaign. It will also cover your financial losses if someone else happens to steal your trade mark etc. You need to defend this.

How Many Insurance Quotes Should You Get?

Three to five insurance quotes should give you a good look at what is available. When it comes to getting multiple quotes, kindly consider working with an insurance brokers who sell insurance through multiple insurance carriers and provide you with real comparisons in order to take best decision. If you work directly or through an individual agent; then getting multiple quotes is a huge task; whereas working through a broker for getting multiple quotes at once is a huge time saver.

How Should You Select the Best Insurance Quote?

Most people pick the best insurance quote based on price. You may also consider your insurance broker efficiency when it came to getting the quote and explaining the information. Actually, perceived value should take precedence over price. As per global survey 82% of small business and individuals prefer better coverage over price. If you are going directly or through an agent, you need to make your own comparisons by inputting all of the information on your own? Further to this, you must ask yourself a question whether Do you feel comfortable with all the insurance terminology?

However, one of the most important factors is whether or not the quote has the coverage you need and want. Insurance isn’t worth much if it doesn’t provide you with the protection, you need when you need it. When you are getting quotes on insurance from several insurance companies and it seems to be similar to you. Then handholding by an insurance broker is the only way to find out which carrier has offered you the best coverage at the best price for you.

How Often Should You Get Insurance Quotes?

How often you get insurance quotes depends on a few factors. If you love your insurance carrier, you may feel content to stay with the same company for the long term. But sometimes, enough is enough when it comes to price. If your insurance premium increases significantly renewal after renewal, it is probably time to start inquiring about new insurance quotes. You can re-shop your insurance rates as often as you want, but every 3 years is usually sufficient—unless something is happening to make you unhappy with your current carrier. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate. If the price difference with the new quote is only a little bit cheaper, you should probably stick with what you have.