How SMEs Can Prevent Insurance Claim Delays
Most claim delays start long before the loss. A few habits make the process much faster when you need it.
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When your business moves goods, your property, fleet and cargo risks overlap. Cover them together.
One view of the risk
Premises, stock, fleet and goods in transit often sit with different insurers. Gaps appear where they meet, for example goods waiting in the yard overnight.
Know your carrier's liability
If you carry goods for others, your responsibility depends on your contracts. Make sure your cover follows what you have signed.
Temperature and contamination
Cold chain operators need specific cover for incorrect temperature setting and contamination. These are rarely included by default.
Plan for delays
Demurrage and detention costs can climb quickly. Ask whether they can be covered.
This article is general information, not advice for your specific situation. Speak to a broker before changing your cover.
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