Gary As an employee of an insurance broker I would always recommend finding a broker in your local area who can give you good advice and should be able to come up with a competitive premium. However, there are also some direct Insurers who can provide products with a good level of cover at a competitive cost. One I have recommended in the past is Hiscox who can provide online PL/PI quotes. I would contact them first and then get some quotes from brokers. You can then do a comparison and decide your best route from there. Cheers Iain