Hi Uncle

My advice is to go to an insurance broker and let them run around the market.  We have used a broker for 10 years - and although we have ended up staying with the same insurance company - the broker gets all the quotes and does the donkey work.  He is also the one I got to with any claims and he has the discussion with the insurance company.  We have public liability, vehicle insurance, directors liability and a health and safety liability, along with a legal edge package - but we also have a number of staff.

They will all try and sell you more than you need - but do listen to their advice.  Also if you ask any questions and are a bit unsure of the answers they are giving, tell them you want it in writing.  I find VERO really good for commercial insurance if that is any good to you.  They have loads of experience and have been fair to deal with.  The bank will be clipping the ticket if you go through them.