Employer liability, public liability, business interruption and specialist commercial covers explained.
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Showing 2 of 15 guidesInsurance Misrepresentation Rules for Businesses
• Business insurance generally requires a “fair presentation of the risk” (not the same as consumer rules) • You must disclose material circumstances you know or ought to know, or give enough info to put the insurer on notice • Remedies depend on whether the misrepresentation/non-disclosure was deliberate, reckless, or innocent • Warranties and policy conditions can still affect claims if breached • Good documentation and a structured renewal process significantly reduces dispute risk
Support & RightsFCA Complaint Routes Explained
• Complain to the firm first (insurer, broker, or intermediary) in writing if possible • Firms usually have up to 8 weeks to provide a final response • If eligible, you can escalate to the Financial Ombudsman Service (FOS) • Keep a clear timeline, evidence, and what resolution you want • Complaints are free to make—don’t pay third parties unless you choose to