Be cautious of a quote that is much cheaper than others, as it may have lower limits, a high excess or important exclusions. Check exactly what is covered, including liability types, business interruption, stock, equipment and work carried out away from your premises. Avoid providers that pressure you to buy, give unclear answers or do not clearly identify the insurer and policy wording. Make sure your details and estimated turnover are accurate, then check the provider is FCA-authorised using the FCA Register if appropriate; a broker or solicitor can also help with specialist risks.