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 guides, built from cited claims and named statutes
Each guide works through a real claim to the rule that decided it: what a cover actually does, how an underwriter builds a quote, and what the policy wording means when a claim is tested.
Read the claims stories behind these guidesGuides
Guides on cover types, quotation mechanics, underwriting, claims and the small print, each built from a cited claim and a named statute.
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.