A proposal form gives the insurer the information it needs to understand your business and decide whether it can offer insurance.

Depending on the product, the insurer may need considerably more information than a business name, occupation and turnover.

What can a proposal form ask about? #

Examples include:

• Business activities
• Professional services
• Business ownership and structure
• Turnover
• Employees
• Subcontractors
• Qualifications and experience
• Contracts
• Project types
• Risk-management procedures
• Previous insurance
• Claims
• Complaints
• Known circumstances that could lead to a claim

This can be particularly important for insurance such as:

• Professional Indemnity
• Cyber
• Management Liability
• Other specialist liability policies

Why do complete answers matter? #

Insurers use the information provided to:

• Assess the risk
• Decide whether they can offer cover
• Determine policy terms
• Determine limits and excesses
• Calculate the premium
• Decide whether additional information is required

Answers should be complete and accurate.

If you are uncertain what a question means, ask us rather than guessing.

Completing a proposal form does not automatically place insurance cover. Cover is only in place once it has been formally confirmed.

Where a Webber Insurance online form provides a Save and Continue or return-link function, you may be able to complete the application progressively rather than in one session.

Contact our team if you need assistance understanding a question in an application form.