Business & specialist claims

Home & contents · Fire · Shopkeepers · Office · Factory/warehouse · Burglary · Industrial all risks · Business interruption

Home/building, contents, fire, shopkeepers, office, factory or warehouse, burglary and industrial-all-risks enquiries. Business-interruption or fire-loss-of-profit concerns are reviewed under the relevant selected cover. Package policies may contain separate sections.

Useful records

• Policy schedule, selected sections and insured asset or stock details
• Loss records, survey correspondence, photographs and supporting invoices

For goods-in-transit claim enquiries under the relevant marine cargo or inland-transit policy. The shipment, route, insured journey and reported loss need to match the policy documents.

Useful records

• Marine policy or certificate, invoice and packing list
• Bill of lading, airway bill or consignment note, delivery and loss records

CAR · EAR · Machinery breakdown · Electronic equipment · Boiler & pressure plant · Contractors’ plant & machinery · Machinery loss of profit · Advance loss of profit

For project, equipment or related financial-loss enquiries under the relevant engineering policy. Construction, erection and operating-equipment policies have different covers; share the policy that applies to the affected work, equipment or insured financial loss.

Useful records

• Policy, project or equipment schedule and applicable endorsements
• Incident or engineer’s reports, survey correspondence, repair estimates and relevant project or financial records

Professional indemnity · Doctors’ indemnity · Public liability · Commercial general liability · Directors & Officers · Product liability

Professional indemnity, doctors’ indemnity, public or general liability, Directors & Officers and product-liability enquiries. The particular policy, notification records and third-party allegation or demand identify the documents needed.

Useful records

• Policy schedule, wording and insurer notification or response
• Relevant demand, complaint, event records and supporting correspondence

Individual cyber policies · Business cyber policies

For claim-document enquiries relating to a cyber incident under an individual or business cyber policy. Share the policy and available incident records; selected benefits and insurer requirements determine the review.

Useful records

• Cyber policy, incident timeline and insurer notification
• Available investigation reports, affected-account or service records and supporting loss records

For enquiries involving a claim or demand under a surety insurance bond. Identify the principal and beneficiary and share the bond terms; these matters depend on the particular contractual obligation and demand.

Useful records

• Issued bond, relevant contract and amendments
• Default or demand notices and correspondence with the insurer

Money insurance · Fidelity guarantee · Trade credit

For enquiries under money, fidelity-guarantee or trade-credit policies. These policies address different financial risks; the issued policy and insurer’s response help identify the relevant loss records.

Useful records

• Complete policy, selected cover and insurer notification or response
• Relevant cash records, employee-related loss records or trade invoices and buyer statements

For claim enquiries under an event or wedding policy, including cancellation, insured assets or liability where selected. Share the insured event’s schedule and records relating to the specific concern.

Useful records

• Event policy, declared event details and relevant contracts or bookings
• Event or loss records, invoices and insurer correspondence

Pet · Crop/weather · Livestock · Marine hull · Aviation/drone · Jewellers’ block · Portable equipment

For specialist-policy enquiries, share your policy and a short summary of the claim concern. The team will review the enquiry and confirm whether assistance is available for that particular matter.

Useful records

• Complete policy or insurance certificate and relevant endorsements
• Available claim or loss records and the insurer’s response