Sheesh don't use any of those business insurance providers!!!
Business from home policies are cheap, very cheap indeed obviously depending on the type of business. Speak to brokers over the telephone or in-branch. None of these intermediaries who pretend to recommend a product because it will suit your needs.
NIG do a good product although what with the 're-shuffle' and job losses, I can't see the claims experience being somewhat pleasant. Still. Got to be better than AXA ! (although, interestingly enough I got a letter from the Director of AXA thanking me for input into how I feel about their claims procedure after a massive industry stink RE their claims handling was caused prompting an invite for 'Question Time'. Apparently they are taking feedback very seriously... Yes, but years too late!)
Coyote