There is no fixed timeframe, and specialist placements usually take longer than standard quotes. The process can involve information gathering, contract and claims review, underwriting submissions, multiple markets, referrals, negotiation and overseas capacity. Start as early as practical and provide complete information promptly. Webber Insurance cannot guarantee cover or completion by a particular date. Read about hard-to-place risks.

Specialist insurance can cost more where activities, claims, contracts, property, overseas work, high limits or emerging risks are harder to assess and fewer markets compete. Insurers may also use higher excesses, lower limits, sublimits, exclusions or risk conditions. Better information and controls can improve the submission, but do not guarantee a lower premium. Compare scope and terms as well as price. Read about hard-to-place risks.

A non-renewal may reflect appetite, changed activities, claims, growth, property changes, market withdrawal, new information or insurer capacity. Ask for the reason, current schedule, claims history, surveys, outstanding requirements and correspondence. Start alternative placement early because specialist markets may need more information. Replacement terms can differ materially in premium, excess, limit, exclusions and conditions. Read the detailed guidance.

Businesses sharing an occupation title can perform very different work. Insurers assess actual services, locations, clients, project sizes, hazards, height or underground work, products, overseas activities and subcontracting. One material activity can change appetite for the whole risk. Disclose every material activity, even if it contributes only a small share of turnover. Read the detailed guidance.

A specialist submission may require detailed activities, turnover, staff, locations, qualifications, clients, projects, interstate or overseas work, subcontractors and previous insurance. Explain each material claim, its cause, status and corrective action. Contracts, safety procedures, risk plans, photos, surveys, licences, schedules and decline notices may also be needed. A clear submission helps insurers assess the actual exposure. Read about hard-to-place risks.

Specialist Australian insurers, underwriting agencies, Lloyd’s markets and other international insurers may sometimes consider risks outside standard appetite. Specialist or overseas cover is not automatically better: compare exclusions, limits, excesses, claims arrangements, insurer security, applicable law, premium and fees. Some risks remain unplaceable even in specialist markets. Read the detailed guidance.

Yes. Webber Insurance can review difficult placements where another broker or insurer could not find suitable cover, including declines, non-renewals, changed activities, significant claims or contractual requirements. Placement cannot be guaranteed. Provide current and previous schedules, insurer correspondence, decline or non-renewal notices, proposal forms, claims history, business activities, contracts and previous quotations. Read about hard-to-place risks.

Previous claims do not automatically prevent insurance. Insurers consider the number, type, value, timing and status of claims, whether losses share a cause, and what corrective action was taken. Terms may include a higher premium or excess, restrictions, conditions or a decline. Provide the complete history and evidence of improvements so each market can assess the risk accurately. Read the detailed guidance.

An insurer may decline because the occupation, activities, claims, industry, property, location, turnover, project size, overseas work or contractual liabilities fall outside its underwriting appetite or capacity. Another insurer may assess the risk differently. Clear activity descriptions, claims explanations, qualifications, contracts, surveys and risk controls can improve the submission, but do not guarantee acceptance. Read the detailed guidance.

A hard-to-place risk is an exposure that cannot readily be insured by standard markets. The business is not necessarily uninsurable; it may require specialist underwriting, more information, a different policy structure, restricted cover, higher excesses or specialist Australian or overseas markets. Unusual activities, claims, hazardous locations, contracts, emerging technologies or overseas operations can all affect placement. Read the detailed guidance.