Getting the right advice.
WHAT A BROKER DOES
Establishes what you need Finds cover from the market Explains terms Helps at claim time
WHY THAT LAST ONE MATTERS
A claim is when you discover whether your cover was right.
Having someone who knows the policy helps.
WHAT TO LOOK FOR
Familiarity with your sector Willingness to explain Clarity about what they are paid
WHAT TO TELL THEM
What the business actually does Everything relevant, including anything unusual
THE DISCLOSURE POINT
Failing to disclose something material can invalidate cover.
Tell them everything, including things that seem unfavourable.
WHAT TO ASK
What is covered What is excluded What the limits are What I must do to keep cover valid What happens at claim time
WHAT TO CONFIRM IN WRITING
What you disclosed What you were told
WHAT TO REVIEW
Annually, and whenever the business changes.
