If you are arranging business insurance for the first time, the process usually starts with understanding what your business does and the risks you need to insure.

Identify the insurance you may need #

The types of insurance relevant to your business can depend on:

• The services or products you provide
• Your business structure
• Your employees
• Your premises and equipment
• Vehicles used by the business
• Professional advice or services you provide
• Contracts you enter into
• Licensing or registration requirements

If you are unsure where to start, contact our team and we can help identify the types of insurance that may be relevant.

Complete the required information #

Depending on the insurance, you may be asked to complete an online proposal form or provide information about your business.

This can include details such as:

• Your activities
• Turnover
• Employees
• Claims history
• Previous insurance
• Property or equipment values
• Required limits of cover

Review the available options #

Once insurers have assessed the information, we can provide the available quotation options.

You should review more than the premium alone.

Important differences can include:

• Limits
• Excesses
• Exclusions
• Conditions
• Policy wording
• Optional covers

We can explain these differences and help you compare the options available.

Confirm your insurance #

If you decide to proceed, we will arrange the insurance based on your instructions and confirm when cover is in place.

Policy documentation will then be provided, including documents such as your Policy Schedule and, where applicable, a Certificate of Currency.

Keep your insurance up to date #

Insurance should be reviewed as your business changes.

Tell us if there are material changes to your activities, turnover, staff, property, contracts or other exposures so we can consider whether your insurance also needs to change.