When a company is in need of business insurance, they would have to call up the various insurance companies to get quotations. This is to make sure they at least make some comparison & get a good deal. This is a very Time-Consuming process and Needs A Lot Of Human Resources to do so. Most of the time, the company will just get from their existing insurer or renew their current contract year after year. This does not help you in premium reduction thus, No Saving.