If your business has grown or your circumstances have changed, you may need to adjust your insurance. This could mean increasing your cover, removing sections you no longer need, or restructuring your policy by changing limits or excesses.

Changes can usually be made either mid-term or at renewal, depending on what works best for you. Some adjustments, such as adding new business activities or significantly increasing your level of risk, may require insurer approval. We will manage the process with the insurer and let you know if there are any additional costs involved.

It’s a good idea to review your cover if:

• You have taken on larger contracts
• You have hired new staff or apprentices
• You are expanding into new services or business activities
• Your client or licensing obligations have changed

We recommend reviewing your policy whenever there is a significant change in your business to make sure your cover continues to provide the right level of protection.

Contact us to discuss your business changes so we can update your cover and ensure you remain properly protected.