How do I determine what my Insurance Policy covers me for

The two key documents to review are your Policy Schedule and the Policy Wording.  The Policy Schedule provides a summary of your cover. It outlines: Your individual policy limits Insured items Excess amounts, and Any special conditions or endorsements.  The Policy Wording explains the cover in more detail. It outlines: What is included, What is excluded, How claims are managed, and Your responsibilities as the insured.  If you are unsure how to interpret these documents or would like help understanding what applies to your business, we are always happy to walk through them with you and highlight the sections that matter most. Please feel free to contact us with any questions you might have.