Insurance Claims for Your Business
Damage to business property can stop you trading. The claim that follows can have many parts. This page explains what a business claim can involve and where to find help for each type of damage.
Why business claims take more care?
Commercial policies are usually longer than home policies. They have more conditions, limits and exclusions. A small detail in the wording can change what the insurer pays. It helps to read the policy before you agree to anything. A Loss Assessor can read it with you.
What a business claim can involve?
Depending on your policy, a claim can include:
- the premises, such as the building, fixtures and fittings;
- stock and materials;
- equipment and machinery;
- rental property that you let to others, if you are the landlord;
- lost income while you cannot trade. See business interruption claims.
Farms and rural property
Farm buildings, sheds and machinery stores need their own care, because farm policies have their own wording. See farm and agricultural claims.
More information
Read our guide to commercial property claims. To see who acts for whom, read Loss Assessor or loss adjuster. The full list of claim types is below.
Claims we handle
How we help
- Review your insurance policy cover and tell you if it is enough for your claim.
- Report your claim to your insurance company.
- Meet the insurer’s loss adjuster at your property and agree the scope of works.
- Put together the detailed costs of repairing your property and submit them to your insurer as your claim.
- Handle all communication and negotiation with your insurance company.
- Work to settle your claim for the full amount you are entitled to under your policy.
What it costs?
We work on a “No Win – No Fee” basis. If your claim is unsuccessful, we do not charge a fee.
Our charges are normally based on a percentage of the settlement achieved. We agree them with you at our first meeting.
It costs nothing to ask for our advice.