Even before the snow in December and the devastating events in Australia and Japan, insurers were talking of the need for premium increases and a tighter control on claims.

While 2011 may remain an insurance buyers' market for some, a change must surely come.

The horrific events in Japan, Australia and Brazil can't be ignored and legal and social issues closer to home continue to have an impact on insurer funds.

Recent analysis indicates that while motor claim numbers in the last five years had not grown by any notable amount, the costs relating to those involving personal injury have almost doubled.

This year has started as 2010 finished - large savings available to those that go the right way about looking for them.

But short-term savings should not come at the cost of poor or inappropriate cover or the threat of large increases next year. Good planning now could see business owners benefit this year and beyond.

It appears that there is an art to getting the most from the market and businesses can't expect to get the right cover and price without a little preparation.

A number of simple steps can make all the difference.

Start renewal early, months not days ahead and carefully assess the risks to your business, buying cover that fits your needs.

Work with your broker to put a strong case to insurers, emphasising good risk management features.

Make the most of offerings that provide long-term solutions.

Right now we are working with insurers that offer three-year agreements to help fix premiums at today's low rates coupled with low claims rebates, risk management support and bespoke policies.

Right now businesses really can make the most of the insurance market and leaving it until next year may prove too late.