Insurance policies  are one of the important issues of risk management. SME generally pick up a pair of offers from Incurance companies and make their decision upon the price. On the other hand price is a result of the terms and the quarantees included on a certain insurance policy. BCD enables SME to make a pre -prefence upon the quarantee and terms first and define the insurance companies going to be asked for a offer acordingly to the results of this analysis.