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.
Business insurance, explained through the claims that decided what it actually covers
Each story is drawn from a published court judgment, ombudsman decision or trade-press report, and links through to that source. You can browse them by cover type, by outcome or by the rule that decided the case, and check your own figures against what the claims show using the tools linked from this page.
Explore the business insurance guidesClaims by cover, outcome and rule
Filter the library by the type of policy involved, how the claim ended, or the specific clause that decided it, whether that's a warranty, an average calculation or a late notification.
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.
Read the claim that decided the rule, then check it against your own cover
Each story links to the judgment, ombudsman decision or trade-press report behind it, so you can see where the rule came from.