---
title: "What information is needed for a hard-to-place insurance risk?"
description: "Hard-to-place insurance submissions generally require more detail about business activities, claims, contracts, experience and risk management than standard insurance applications."
url: "https://www.webberinsurance.com.au/help/industries-we-cover/hard-to-place-risks/hard-to-place-information"
updated: "2026-10-11"
category: "Industries We Cover / Hard-to-Place Risks"
---

# What information is needed for a hard-to-place insurance risk?

Hard-to-place insurance risks usually require more underwriting information than straightforward insurance placements.

The aim is to help the insurer understand exactly what the business does and why the risk can be insured.

## What business information may be required?

This can include:

- Detailed description of activities.
- Turnover.
- Staff numbers.
- Locations.
- Qualifications and experience.
- Customer types.
- Project types and values.
- Work performed interstate or overseas.
- Use of subcontractors.
- Previous insurance arrangements.

## What claims information should be provided?

For each significant claim, it can help to explain:

- What happened.
- When it happened.
- Amount paid or reserved.
- Current status.
- Root cause.
- Changes made after the claim.
- Why a similar loss is less likely to occur again.

Simply providing a claims figure without context can make it difficult for an insurer to assess the risk.

## What other documents can help?

Depending on the exposure, insurers may request:

- Contracts.
- Procedures.
- Safety documentation.
- Risk management plans.
- Photos.
- Property surveys.
- Qualifications.
- Licences.
- Previous policy schedules.
- Decline or non-renewal notices.

## Why does the quality of the submission matter?

Specialist underwriting often relies on understanding risks that do not fit automated or standard rating systems.

A clear and complete submission can help distinguish the actual exposure from an insurer's initial assumptions about the occupation or activity.

  **General Advice Warning:** The information on this page is general in nature and does not take your personal circumstances into account. You should consider whether it is appropriate for you and seek professional advice before making any decisions. For tailored advice, please contact Webber Insurance Services.