Pros (Advantages)	Cons (Challenges)
There are many sites to choose from	Business insurance can be complex, and online comparison sites might make it difficult to qualify if you’re just starting
Using the sites are quick and accessible	The excess may be much higher than it appears
You can get cheaper deals	Insurance options may not be listed according to the most relevant because the insurer may have paid to be featured at the top

Pros (Advantages)	Cons (Challenges)
You receive expert advice	The process may not be as quick as using online price comparison
They may have access to deals that are not available on comparison websites	The deals may not be as cheap as using online price comparison
You find the insurance that is best for you
Your broker may help you raise a claim, taking out the hassle for you
The peace of mind of dealing with a person who knows your situation

Pros (Advantages)	Cons (Challenges)
Direct to insurer arrangements may be able to offer lower prices	You may be sacrificing expertise for cash savings as a large insurer is unlikely to have the same knowledge of your business as a broker
	Your choice for specialised insurances may be limited