I try not to work for the ins. direct; as PC says.
However, to answer your original question:
I have one long-standing contract, via a local broker. Customer called me to a commercial premises she had a vested interest in, which was subject to an insurance deal. Broker was chuffed with our paperwork, and has pulled us in on other works. I get paid by the broker (on time; T+C makes it clear that overdue accounts incur a 10% admin fee, and over-overdue accounts will be passed to "our debt collections dept., resulting in further costs" (doublespeak for a nasty letter from the bank`s solicitor - part of my account with them
).
Another was from a local firm contacting us to do a PIR as a priority - they had the report by close of business the same day
. Again, they`ve used us a couple of times. Usually, its the customer, rather than the insurer, who gets us involved.
The "urban myth" that you have to be the cheapest of three quotes is just that - a myth. I`m usually either the middle or higher figure, yet get the work - it would seem to be a direct result of our communications proceedures.
KME