Commercial insurance broking
Most businesses are underinsured. Almost none know by how much.
A sum insured is not a ceiling, it is a ratio. Set it below the real rebuild cost and your insurer reduces every claim by the same proportion, including the small ones. Put your own figures in below and see what your policy would actually pay.
A claim of
£100,000
Insured to two thirds, pays
£66,667
Withheld, and not recoverable
£33,333
The number nobody shows you
What your policy would actually pay
Put in your sum insured, what the building would really cost to reinstate, and the claim you want to test. The table underneath runs the same sum at five claim sizes, because the proportion withheld does not change with the size of the loss.
Your policy, your numbers
Underinsurance does not reduce your cover by the shortfall. It reduces every claim by the same proportion, however small the claim.
Underinsured by 33%, so every claim is reduced by the same proportion, however small.
£33,333 of that is the average deduction, which no policy summary shows you. £0 is the excess you already agreed.
What we place, and what usually goes wrong with it
Property
Fleet
Liability
Cyber
Business interruption
How a placement works
Four steps, and the second is the one nobody else does
01
We read your current schedule
Every policy you already hold, including the ones bought direct and forgotten about.
02
We price the gaps, not the premiums
Sums insured against real reinstatement cost, limits against plausible losses, indemnity periods against how long recovery takes.
03
We take it to market
Named insurers, with the case for your risk written up rather than a form filled in.
04
We stay on the file
Mid-term changes, claims notification and the renewal conversation twelve weeks out, not ten days.
Guides
The practice
Small enough to answer the phone
18
years placing commercial risk
340
policies under management
£4.1m
of underinsurance found in 2025
11
insurers on the panel
Send us your schedule. We will tell you what it does not cover.
No obligation and no charge for the review. If your cover is right we will tell you that too.
Request a review