The office at 6 pm
Your business is attending a trade fair: does liability cover stop at its premises?
Setting up a trade-fair stand? Describe the activity away from your premises and check how business liability insurance addresses it.
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The office at 6 pm
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73 articles
The office at 6 pm
Pay has changed: has the earnings figure reported for workplace insurance changed too?
Has a pay rise also reached the work-accident insurance records? Compare actual remuneration with the information supplied.
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Does a customs bond insure goods held at customs?
A customs bond and cargo insurance serve different purposes. Identify the obligation, beneficiary and goods being transported.
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Life cover for business partners: who receives continuity funding?
A business purpose needs a defined need and payment recipient. Read partnership arrangements and the life policy together before comparing insured amounts.
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Tall or heavy van: can the assistance service transport your vehicle?
Height, weight and equipment may matter when choosing breakdown assistance. Describe the actual van before comparing recovery distances alone.
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Employer health cover: where should you send an appointment invoice?
An employer-funded benefit may have a personal expense channel. Check the reimbursement route before sending clinical documents around the workplace.
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Systems are down: does the backup answer every business cost?
Separate technical recovery, additional expenses and interrupted trading when assessing cyber insurance.
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An employee uses their own car for work: which insurance is involved?
Separate a private vehicle, a work journey and personal injuries when an employee drives their own car on company business.
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Company life insurance: who needs access to health information?
Separate administration of group life enrolment from clinical information requested by the insurer.
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Does the guarantee date match the end of the obligation?
Distinguish an annual surety policy from the individual guarantee period. A project amendment does not prove an accepted extension.
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Salary-linked group life cover: do bonuses and variable pay count?
Turn an expression such as twenty-four salaries into a checkable definition: pay base, multiplier, reference date and sum insured for each person.
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Can an invoice issued to the employer support an individual health claim?
Separate who paid, who received treatment and who is named on the invoice. Check documentation before submitting a health reimbursement request.
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The driver became unwell during a trip: another car or another driver?
When a driver becomes unwell, the need may concern personal assistance. Distinguish another driver from another car and check requirements.
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A company car accident: who brings the information together?
Organise the handover between a driver and the person managing company motor insurance, using factual reports, documents and one case reference.
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Who is the key person's life insurance intended to protect?
Prepare a key person life insurance enquiry: business purpose, critical responsibilities, the amount to assess and the intended beneficiary.
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The car will not start: does assistance pay for repairs?
Car will not start? Separate roadside assistance, towing, parts and workshop repairs when checking motor insurance in Portugal.
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Your business needs a bond: who is protected and for which obligation?
Identify the policyholder, insured creditor and contractual obligation before requesting surety insurance assessment in Portugal.
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Goods in the company van: does motor insurance settle the question?
Describe the goods, route and loading operations to clarify protection for business deliveries in Portugal.
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Máquinas Casco insurance: does it cover every machinery breakdown?
Separate symptoms from causes and ask about external damage before considering insurance for business machinery in Portugal.
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Seasonal stock: which business snapshot does the quotation show?
Organise inventory dates, locations and valuation questions for a business multi-risk review without assuming the insured amount increases automatically.
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Using subcontractors: who does what in a liability request?
Map company and contractor roles to prepare business liability questions without assigning legal fault or assuming insurance cover.
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The backup completed. Has restoration been tested?
Plan a controlled backup restoration test, record useful results and distinguish technical prevention from cyber insurance cover.
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Does the liability limit apply per claim or per policy year?
A per-claim limit and an annual limit answer different questions. A fictional calculation helps you read a professional liability proposal more carefully.
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A client falls. A service contains an error. Which question changes?
Business and professional liability are different categories. Describe the event and actual activity before comparing liability insurance proposals.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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