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1. I have a particular query or problem related to business insurance that I’d like your help with.
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Type of business:
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2. I’d like you to send me a list of contacts who can help me take out business insurance.
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I would like to:
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Find a loss assessor
Create a contingency plan
Undertake a risk assessment
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The clock ticks when your quote is subject to conditions

When you get a quote for Business insurance



If the quote you accepted was subject to any conditions . . .



. . . make sure you deal with these immediately and comply with any time limits. For instance:


1. Statement of fact


If the quote was subject to you agreeing a statement of fact, check the statement carefully, altering anything that’s wrong. Sign and return it.

2. Proposal or application form


If the quote was subject to you filling in a proposal (application) form, get the form, complete it and return it.

3. Survey


If the quote was subject to a survey by the insurer, agree the earliest convenient date when the surveyor contacts you to fix an appointment. And remind your broker or insurer if a surveyor still hasn’t contacted you 14 days after you accepted the insurer’s quote.

in-depth info Click here for more info on surveys



4. Exclusion of some of your cover


If the quote was subject to the exclusion of some of your cover (e.g. theft) until after the survey, first try to persuade the broker or insurer to provide the cover, or get your broker to negotiate on your behalf.

If this fails, it’s very important to make sure the survey is carried out urgently.

5. Risk or security improvements


If the quote was subject to “Risk improvements” – such as an alarm or changes to the way you work - get these done quickly.

But be careful about the cost. There may be a cheaper alternative to what the insurer has proposed that would be just as acceptable. If you think cheaper alternatives are available, explain what you have in mind and try to persuade the insurer or broker to go along with this.

in-depth info More info on risk improvements


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