11 Ways to help get your insurance claim paid. #10 – Build up an asset register for your business contents and machinery In the same way as Tip #9, having a list of all your business equipment and contents has a number of benefits: It helps you to recall what might have been damaged… Read more »
Tag: insurance tips
11 Ways to help get your insurance claim paid – #9
11 Ways to help get your insurance claim paid. #9 – Keep receipts and invoices If something is stolen or damaged in a fire, it can be difficult to remember its full description. Was it 9ct or 18ct gold? Was it a 12″ or 14″ necklace? Did the laptop have 3Gb or 5Gb RAM?… Read more »
11 Ways to help get your insurance claim paid – #8
11 Ways to help get your insurance claim paid. #8 – Check that your employees have a licence to drive If you allow an employee to use a vehicle (their own or yours) for the purpose of your business, you have a duty to make sure they are entitled to drive. You should therefore… Read more »
11 Ways to help get your insurance claim paid – #7
11 Ways to help get your insurance claim paid. #7 – Fit the right locks to your doors and windows Do you know a 5 lever mortice deadlock from a rim lock, a hinge bolt from a locking bar? Possibly not. But an insurer does and if they specify certain types of locking device,… Read more »
11 Ways to help get your insurance claim paid – #6
11 Ways to help get your insurance claim paid. #6 – Comply with policy warranties This is a big one! Failure to comply with an insurance policy warranty means the insurer can decline to deal with your claim and even cancel the insurance. Typical business insurance warranties include: Clearing up and removing waste in a specific way… Read more »
11 Ways to help get your insurance claim paid – #5
11 Ways to help get your insurance claim paid. #5 – Lock bikes to a building or fixed bike rack A simple one here. Most insurers will require that when removed from the home, bicycles must be locked to an immobile object when left unattended. That means to a building, lampost or proper cycle… Read more »
11 Ways to help get your insurance claim paid – #4
11 Ways to help get your insurance claim paid. #4 – Insure your contents for the correct amounts. If you want your insurance claim to be paid in full, one important thing to get right is your sums insured. Even though you are unlikely to suffer a total loss of all your buildings and… Read more »
11 Ways to help get your insurance claim paid – #3
11 Ways to help get your insurance claim paid. #3 – Don’t leave keys in your car. Pretty much all insurance policies now exclude theft of your vehicle if the keys are left in or on it. So, when you fill up with fuel, lock the car and take the keys when you go… Read more »
11 Ways to help get your insurance claim paid – #1
11 Ways to help get your insurance claim paid. #1 – Have an accurate business description on your policy. A business insurance policy covers the activities of the business, so if your business isn’t correctly and fully described, there is a risk that the insurer won’t deal with your claim. For example, if you… Read more »
Winter Weather Precautions
Hope you enjoyed the summer!! Just to make it worse, now is a good time to prepare for the coming winter weather and those darker nights. Here are a few suggestions to help. Flat roofs – Insurers don’t pay out if they are poorly maintained and they are very susceptible to wind and storm damage… Read more »