Your safety is the top priority. Once you’re safe, contact us to report the incident. We’ll guide you through the process. 

To support your claim, try to gather any relevant information, including:

• Photos or video of damage,
• Keep a record of the date, time, and description of the incident,
• Don’t dispose of damaged property until we or the insurer have advised it’s okay to do so,
• Police reports (if applicable)
• If someone was injured (e.g. staff, customer, or tenant), completed incident report, and witness statements, if possible. 
• Copy of a CCTV footage is available,
• Collect and keep any relevant documents: receipts, contracts, maintenance records, or service reports.

Possibly. Insurance premiums are influenced by:

• Claim frequency
• Claim type and value
• Your risk profile. We’ll review the impact with you and help you make an informed decision about proceeding with a claim.

Simple claims may be settled in a few days. More complex cases—especially involving structural damage or liability—can take a few weeks.

Throughout the process, we’ll:

• Keep you updated regularly
• Minimise delays
• Work to resolve the claim as quickly and fairly as possible

As your broker, we can act on your behalf from start to finish.  Our goal is to make the process stress-free and in your favour.

We can help you with:

• Submitting documentation,
• Chasing up for updates with the insurer if necessary,
• Negotiating with insurers,
• Challenging any unfair decisions,

If your claim is declined:

• We’ll review the insurer’s reasons
• Provide a clear explanation
• Dispute the decision on your behalf if it’s unjustified

We’re here to represent your best interests at every step.

Yes, but only if it’s necessary to make the property safe or prevent further damage (e.g., boarding up windows, stopping a leak).

Be sure to:

• Take before and after photos
• Keep all receipts and invoices
• Notify us as soon as possible so we can advise on next steps

Non-urgent repairs should wait until the claim has been assessed and authorised.

Many commercial insurance policies include Business Interruption or Loss of Rent cover, but it depends on your specific policy.

These covers may help with:

• Loss of profit due to a temporary closure
• Ongoing expenses like staff wages or utility bills
• Rental income lost due to property damage
• We’ll review your cover and confirm your entitlements.

If your tenant caused the incident (e.g. fire, water damage, negligence), we’ll assess:

• Whether it’s covered under your Landlord Insurance
• Whether you may need to recover costs from the tenant or their liability insurer
• We’ll assist in reviewing the tenancy agreement and provide guidance on how to proceed.

Yes, each policy has specific limits, sub-limits, and excesses. These are detailed in your policy schedule. We’ll:

• Review these limits with you
• Advise on your likely settlement range
• Ensure you receive the maximum benefit you’re entitled to

Usually, yes—but it depends on your insurer’s policy. Some may require you to use approved suppliers, while others allow freedom of choice.

We can:

• Help you understand your options
• Recommend trusted local trades where needed
• Liaise with the insurer to avoid delays