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Run for cover

Is your client’s business at risk from an inadequate insurance policy? Gordon Pickering and Michael Wilson explain

15 November 2002

An insurance policy is only as good as the claims payment received following an insured event. Only too often an insurance policy that has happily existed for many years suddenly turns out to be defective, just when it is needed most. Arranging insurance is not everyone’s idea of excitement. But the danger is that your client will relegate this task to a very low priority. Here we look at how to arrange cover and how your client can avoid some predictable pitfalls. Expert advice Arranging insurance for commercial property should not be left to a junior member of staff. If this is a new venture for your client and he does not know where to go for advice, he should contact the British Insurance Brokers Association – see the box overleaf. BIBA will have a list of brokers which specialise in the placing of commercial risks. Quality of insurer This is of paramount importance for commercial risks. If your client’s turnover exceeds £1m it wi...

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