What the document says.
WHAT TO READ
All of it, particularly the exclusions.
WHY THE EXCLUSIONS
Most disputes concern them.
A policy is defined as much by what it excludes as what it covers.
WHAT TO LOOK FOR
What is covered, specifically What is excluded
The limits: per claim and in total
The excess you pay on each claim Conditions you must meet What you must do at claim time
THE CONDITIONS POINT
Policies frequently require specific precautions: security measures, maintenance, record keeping.
Failing to meet them can invalidate a claim.
Establish what yours requires.
WHAT TO CHECK
That the cover matches what your business actually does That the sums insured are adequate That the activity described is accurate
THE ACTIVITY DESCRIPTION
If it does not describe what you actually do, cover may not apply.
WHAT TO ASK ABOUT
Anything you do not understand.
WHAT TO KEEP
The full policy, accessible.
Not only the summary.
