£50k of pandemic cover, £8m in losses: restaurant group's broker negligence claim survives
Ten London restaurants, £50k of pandemic cover, and over £8m in COVID losses. The High Court just ruled the broker negligence claim can go...
What a business insurance policy actually does, shown through the claims that tested it.
Real court judgments, ombudsman decisions and trade-press cases, used to explain what each cover paid, refused or argued over, and why.
Read the claim stories See what each cover actually doesA court or an ombudsman ruled. Here is what it decided and why.
Fresh claim outcomes as they are reported, each with the rule that decided it and a link to check it yourself.
Jailed Lego collector’s insurance scam highlights UK’s £1.3bn fraud problem
Industry leaders say bogus claims rose 14% last year, pushing up premiums for all customers.
Claim denials account for over half of UK travel insurance complaints
New ombudsman figures highlight continued scrutiny of claims handling practices as regulators examine consumer outcomes across the insurance...
Four sentenced for multi-million pound counterfeit goods, benefit and insurance fraud
Four people have been sentenced following an investigation by the North West Regional Organised Crime Unit (NWROCU) that exposed a...
Lego fraudster among last year's most high-profile insurance scammers
The person was sentenced to 28 months in prison after an investigation found the claims were made up, the insurance trade body,...
6 Best Instant Life Insurance Companies in 2026
Apply for and buy a life insurance policy on the same day with top-rated online life insurance companies, including Lemonade and Ladder.
The claims library
Paid, refused and disputed, filed by cover and by outcome.
The Restaurant That Flooded: A Cited Claim Story
A real flood damage claim on a restaurant — the business interruption calculation, the indemnity period shortfall, and what the policy actually paid.
The Late Notification That Voided a PI Claim
A real professional indemnity claim refused for late notification — the claims-made trigger, the deadline, and the court's reasoning.
The Employer Who Had No Cover: A Cited Claim Story
A real employers' liability claim against an uninsured business — what the court decided, what it cost, and the 1969 Act requirement it broke.
What Each Business Insurance Cover Actually Does
Employers' liability, public liability, professional indemnity, business interruption and more — each explained through the claim it did or did not pay.
How an Underwriter Quotes a Business Insurance Policy
Trade classification, rating factors, claims history, loss ratios and appetite — how an underwriter builds a price and why two quotes differ.
How to Get the Right Quote for the Right Cover
Sums insured, excesses, warranties, fair presentation — what to get right before you pay for a business insurance policy, grounded in real refusal cases.
What a policy promises, read against what it paid
Each guide starts with a dispute that was actually decided, then works back to the clause, the statute and what a business should have known before signing.
What each cover actually does
Employers' liability, public liability, business interruption and the rest, each explained through a claim that tested it.
Read the guide →How an underwriter builds a price
Trade classification, claims history and exposure, and why two businesses doing the same work get different quotes.
Read the guide →Getting the right quote for the right cover
What to disclose, what a reasonable search looks like, and where businesses have paid for getting it wrong.
Read the guide →The small print, translated
Terms like average, warranty and condition precedent, each defined by the claim it cost someone.
Look up a term →Every guide, by cover type
The full set of statutory guides, grounded in cited cases, covering every major business insurance policy.
Browse the guides →See the numbers before you talk to a broker
Tools that run in the browser and show their working, so you can check the result yourself and see where the answer could be wrong.
What average would pay
Enter the sum insured and the true value, and see what an insurer applying average would pay on a partial loss.
Use the calculator →Which covers your trade needs
Pick a trade and get the covers that are compulsory, usual and optional, with the reason for each.
Check your trade →How long until trade is back
Enter how long finding premises, refitting and restocking would take, and see a suggested indemnity period.
Estimate the period →Would this claim be paid
Read the facts of a real cited claim, decide paid or refused, then see the rule that decided it.
Try the quiz →Pick a starting point
A case, a guide or a calculator will take you to the same answer by a different route.