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Are the bars on your windows too far apart?

Why you may need a free business insurance check-up - Thursday, Oct 31, 2013

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Over the last few years we have noticed a trend with some insurers adding detailed warranties and clauses to their policies. The insurance companies, like the rest of us with businesses to run, want to reduce their risks; our advice is to find out what’s in the small print of your policies sooner rather than later.

Are the bars on your windows to far apart?
“I have seen things as improbable as exclusions for damage to motor vehicles by UFOs and as exacting as steel bar grilles being no further apart than 125mm”
As our Associate Director Mark Nicholl recalls,

If this seem unlikely then what about these -

  • Do you inspect your composite panels and panel joints for damage at least once a week?
  • Do your door locks conform to BS3621?
  • Are your vehicles garaged overnight and with a watchman in constant attendance?

Insurance policies have always been full of small print. A good insurance broker, like a good accountant, will know your business and negotiate the best policy to meet your needs… And if the worse happens and you make a claim, having a professional broker on your side can make all the difference.

When one of our established clients put in a claim for an oil spill at their premises it was nearly repudiated by the insurers because the incident had not been reported immediately. It was our intervention with the insurers that lead to them agreeing to pay the claim in full, which has so far been just under £200,000.

Your time and energy is focused on running your business which is why we offer free business insurance check-ups to help you avoid these small print traps.

Call us today to make an appointment that will give you peace of mind and may save you more than just £s.

Get a Quick quote

Want to find our more?
Would you like us to call you?
Fill in the form below and we'll get back to you.

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