Yes. Webber Insurance can review insurance requirements where another broker or insurer has been unable to find suitable cover.

This can include businesses that have:

• Been declined by insurers.
• Received a non-renewal.
• Changed activities.
• Experienced significant claims.
• Entered a higher-risk industry.
• Been unable to meet contractual insurance requirements.
• Found that standard insurers will not cover an important activity.

Does this mean Webber Insurance will definitely find a policy? #

No.

Some risks can be extremely difficult or impossible to place on acceptable terms.

The purpose of the review is to understand:

• Why previous markets declined.
• What cover is actually required.
• Whether specialist insurers are available.
• Whether different policy structures could work.
• What additional information insurers may require.

What should I provide? #

Useful information can include:

• Current policy schedule.
• Previous insurer correspondence.
• Decline or non-renewal notices.
• Proposal forms.
• Claims history.
• Business activities.
• Contracts requiring insurance.
• Any quotations already obtained.

Providing the previous insurance information can prevent unnecessary repetition and help identify the actual placement problem.

Will specialist insurance cost more? #

It can.

Higher-risk or unusual businesses may face:

• Higher premiums.
• Higher excesses.
• More restrictive terms.
• Lower limits.
• Additional risk management requirements.

The objective is to identify realistic insurance options rather than assume that standard terms will be available.