01 / Property
What would it take to rebuild?
- Building structure and rebuilding costs
- Contents and specified item limits
- Flood exposure, exclusions and excesses
Home · Property · Business
See the questions behindproperty and business cover.
Insured value should reflect current rebuilding cost, not resale value or the original purchase price.
Coverage boundary map
Three questions, clearly separated.
These are topics to check, not statements about what is or is not covered for you.
02 / Business
What helps operations continue?
- Premises, equipment and stock
- Business interruption triggers
- Liability and key-person dependencies
03 / Responsibility
Where do obligations sit?
- Your own share of a claim
- Policyholder duties and claim process
- Limits, exclusions and conditions
Property values
Market value
What a property may sell for. Ask how this figure affects the valuation in your policy.
Rebuilding cost
Reconstruction cost
What rebuilding may cost. Ask which figure your policy uses and how it was calculated.
Review before you rely
Know the insured value
Check building and contents separately and keep an up-to-date inventory.
Read the boundaries
Ask how flood, exclusions, deductibles and your responsibilities affect a claim.
Plan for interruption
Check the events that trigger business interruption benefits and the records required.
Travel and personal accident cover are often reviewed alongside property and business cover. Ask what triggers a claim and what is excluded.
Five questions. No score.
Use the educational Protection Snapshot to organize what you want to review.
General educational information only. Policy terms and availability depend on the specific provider and contract.