Protection for
what matters.

A trip should be assessed by destination, duration, participants and planned activities. Medical assistance, baggage, cancellation and curtailment are different needs; check which can be included in the quotation and on what terms.

• State destinations, dates and the number of travellers.
• Clarify assistance, medical expense and repatriation limits.
• Confirm covered cancellation reasons and excluded activities.

Personal accident protection should start with the activities you undertake and the consequences you want to provide for. Check the definition of accident, the people covered and the sum insured for each cover. It should not be confused with health or occupational accident insurance.

• Assess accidental death or disability and treatment expenses where available.
• Identify relevant occupational, sporting or leisure activities.
• Check age limits, territory, excesses and exclusions.

Private life can result in harm to other people or their property. This assessment identifies the household covered, the events considered and the limits of insured liability. Damage to your own belongings is a different need.

• Confirm who belongs to the protected household.
• Clarify the treatment of children, the home and private activities.
• Compare the sum insured, excess, territory and exclusions.

This assessment focuses on harm the animal may cause to others. It differs from an arrangement for veterinary expenses. The animal’s identification and characteristics help clarify its classification and any applicable requirements.

• Prepare the animal’s species, identification and characteristics.
• Check the responsible people, places and situations included.
• Confirm applicable obligations, the sum insured, excesses and exclusions.

The bicycle, accessories, use and places where it is ridden or stored help define the request. Protection for the property, accidents involving the rider and liability to others should be assessed separately.

• State the bicycle’s characteristics, value and use.
• Confirm theft, storage and required security conditions.
• Clarify assistance, riding abroad and sporting activities.

The type of craft, planned navigation and use affect the assessment. Identify the property and equipment to protect and liabilities towards others. Also confirm conditions for time ashore and transport.

• Prepare identification, characteristics and the craft’s value.
• State the navigation area, use and mooring location.
• Assess hull, liability, assistance and quotation limits.

Digital risks should be assessed through the systems, data and processes the business depends on. Protection may involve incident response, first-party losses and liability towards others, but each component requires confirmation in the quotation.

• Describe the activity, digital dependencies and security measures.
• Confirm how to activate assistance and report an incident.
• Clarify limits, waiting periods, exclusions and prevention obligations.

Providing services can lead to claims connected with professional errors or omissions. Describe the services, clients and relevant territories to frame the request. A business’s operational liability may need a complementary assessment.

• Identify the profession, services and any contractual or legal requirements.
• Confirm the sum insured, excess and treatment of defence costs.
• Clarify retroactive cover and the policy’s event or claim timing requirements.

The risk to goods depends on their nature, value, route and mode of transport. Protection for the goods and the carrier’s liability are distinct matters. Explain who bears the risk at each stage of the operation.

• Identify goods, values, origins, destinations and transport modes.
• Confirm the start and end of cover, including loading and unloading.
• Clarify packaging, temporary storage, limits and exclusions.

An asset obtained through finance may be subject to insurance requirements in the lease. The assessment should identify the equipment, use and finance provider’s interest to clarify the protection requested and its beneficiaries.

• Prepare the assets’ description, value and location.
• Share the agreement’s insurance requirements through the specified channel.
• Check risks covered, excesses and treatment of the finance provider.

Machinery and equipment should be identified by their characteristics, value and conditions of use. Site work, movements and time away from the premises may require different terms. Confirm the distinction between external damage and internal breakdown.

• Prepare each machine’s make, model, year, value and use.
• State work locations, transport and storage conditions.
• Clarify covered risks, accessories, excesses and exclusions for wear or breakdown.

Surety insurance concerns a guarantee for a specific obligation. Assessment starts with the contract or requirement behind it, the beneficiary and term. Issuance depends on risk assessment and the terms accepted by the insurer.

• Identify the guaranteed obligation and beneficiary.
• Prepare the required amount, term and guarantee wording.
• Clarify calling conditions and policyholder obligations.

Identify the assets to protect, where they are located and an appropriate sum insured. Fire cover should be distinguished from a wider set of risks. The intermediary can help compare the standalone need with a multi-risk arrangement.

• Prepare the risk’s characteristics, use and location.
• Confirm assets, sums insured and valuation criteria.
• Clarify additional covers, excesses and exclusions.

The assessment should consider liability associated with hunting and the applicable framework. State where and how you undertake the activity and clarify document requirements before assuming protection is suitable.

• Identify the hunter, activity and intended territory.
• Confirm the sum insured and applicable activity requirements.
• Distinguish third-party harm from any personal accident protection.

Describe what you want to protect, who uses the property or performs the activity, and where the risk is located. If you already have a contractual requirement or policy, tell the intermediary to guide the assessment.

• Explain the need with a specific example.
• State the relevant assets, people, activity and dates.
• Receive guidance on the information needed for a quotation.