Claims support

You should report a claim, or anything that could become a claim, as soon as you become aware of it.

Early reporting gives insurers the opportunity to review the circumstances promptly and confirm what information may be needed. It can also help avoid delays or issues later if the matter develops.

If you are unsure, please still get in touch.

Some situations are not formal claims at the start but may still need to be reported to insurers. This could include a customer complaint, possible damage, a cyber incident, an employment-related matter, a supplier issue or correspondence suggesting someone may hold your business responsible.

We can help you understand what has happened, what information may be needed and whether the matter should be reported under your policy.

• Your policy details
• If available, the date of the incident
• A clear summary of what happened
• Who was involved
• Any correspondence received
• Any photos, documents or supporting evidence
• Details of any action already taken

Not every matter reported to insurers becomes a claim, and not every claim affects premium in the same way.

Premiums and renewal terms can be influenced by several factors, including claims history, the type of incident, the amount involved, the wider insurance market and the insurer’s view of risk.

We can help you understand what is being reported and, where relevant, support you in explaining the circumstances clearly to insurers.

Claims advocacy is a core part of our role from the start.

We do not have authority to make claim decisions, but we can support you in discussions with insurers, explain technical language and help present your claim clearly. Using the evidence you provide, we can help prepare the claim file, explain the circumstances and raise questions where we believe further review is needed.

Our experience working with insurers over many years helps us review claims, support negotiations where appropriate and advocate for fair consideration under the terms of your policy.

Yes. Complaints and claims can sometimes overlap, particularly where a matter involves customers, suppliers, staff, property, systems or wider business operations.

We can help you consider whether there may be an insurance issue, what information may be needed and whether the matter should be reported to insurers.

We do not replace your own complaints-handling responsibilities, but we can support you where a complaint may have insurance implications.

Claims advocacy is one of the strongest parts of our service.

We do more than pass information between you and the insurer. We help manage insurer discussions, explain technical language, prepare the claim file and present your position clearly.

Where we believe a decision, settlement offer or insurer response needs further review, we can raise questions and provide the evidence and context needed to support your case.

Our role is to advocate for you throughout the process and help ensure your position is clearly explained and properly considered under the terms of your policy.

If you disagree with an insurer’s decision, settlement offer or explanation, we will help you understand the position and what options may be available.

Where there is a reasonable basis to do so, we will raise questions with the insurer, provide further context and help present relevant information clearly.

We cannot guarantee that an insurer will change its position, but we will support you in making sure your concerns are clearly explained and properly considered.