INSIGHTS
Practical guidance drawn from the issues businesses encounter at renewal, during placement and when making a claim.
CONSTRUCTIONLiability generally addresses certain third-party allegations, while contract works focuses on insured physical loss or damage to the project. The policy wording and project structure determine the outcome.
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COMMERCIAL PROPERTYBuilding values, loss-of-rent periods, occupancy, tenant activities, vacancy and catastrophe exposure can all materially change the placement.
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PROFESSIONAL RISKSProfessional indemnity is commonly written on a claims-made basis. Continuity, retroactive cover and timely notification therefore deserve close attention.
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CLAIMSA clear timeline, photographs, invoices, incident reports and prompt communication can help the insurer understand the loss and identify the next required step.
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FLEETA coordinated fleet arrangement may simplify vehicle changes, driver management and claims, particularly as vehicle numbers and business use expand.
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CYBERMulti-factor authentication, reliable backups, payment controls, patching and staff awareness often influence the availability and structure of cyber cover.
Read practical note · 06 →A BETTER RENEWAL STARTS HERE
Whether your renewal is approaching or your business has changed, we can review the current program and identify where a different approach may produce a better result.
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