The Restaurant That Was Flooded Twice — and Paid Once
A real cited claim: a restaurant's second flood claim was refused for breach of a flood-resilience warranty. The rule, the arithmetic and what the business could have done.
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 Accountant Who Notified Two Months Late
A real cited claim: a professional indemnity insurer declined cover because the accountant notified outside the policy period. Claims-made versus occurrence, explained through the loss.
The Builder Who Had No Employers' Liability Insurance
A real cited case: a builder was fined for employing staff without employers' liability cover. The 1969 Act, the £2,500 daily fine and what the injured worker faced instead.
What Each Business Insurance Cover Actually Does
Every major business insurance cover explained through a real claim it paid or refused — employers' liability, public liability, professional indemnity, business interruption, cyber and more.
How an Underwriter Quotes a Business Insurance Policy
The other side of the desk: trade classification, rating factors, claims history, loss ratios, appetite and why two quotes for the same business differ — for buyers and junior underwriters.
How to Get the Right Quote for the Right Cover
Describing your business honestly, choosing sums insured, understanding excesses, reading the schedule, and what the Insurance Act 2015 duty of fair presentation means for your quote.