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Disputed Insurance Claims

Disputed business insurance claims

Business insurance protects businesses against the everyday risks that comes with running a business. Business insurance can cover you against things like professional mistakes, accidents, theft, damage, and legal fees.
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No Win No Fee Disputed Business Insurance Claims

Recovery Assist are leading Disputed Business Insurance Claims Solicitors, so we can help you receive the compensation you need and deserve. Call Recovery Assist on 0161 762 4949 or complete our contact form and we will call you.
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If you think your critical illness insurance policy has been refused, disputed or you have been underpaid, contact us today.

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There are many different types of insurance available covering different risks, including:

This covers the cost of repairing or rebuilding your business premises. 
This is broadly the same as buildings insurance and covers the cost of repairing or rebuilding business premises that you let to another business.

Broadly speaking this covers your belongings in the building such as any machinery, equipment, computers, office furniture, tools, and stock in case they are damaged or destroyed.

Professional indemnity insurance protects you against claims for loss or damage made by clients or third parties as a result of the impact of negligent services you provided or negligent advice you offered.  
This covers the potential loss of income for your business in the event of a fire, flood, or other disaster. The idea is that your business will be no worse off than it was before the accident.
  • Flooding
  • Fire
  • Impact damage
  • Theft
When you claim on your commercial or business insurance policy you expect to be paid out. If your insurers have refused your claim or will not pay you the full amount, we can help you to challenge that decision.

Why has my business insurance claim been rejected? / Why have I only been offered partial payment of my business insurance claim?

Insurers can dispute or reject your claim based on the information you gave them about the circumstances in which something was damaged, as they may say it is not covered under the policy.

Your insurers may assert that you haven’t taken reasonable care – for example, an allegation that the business premises were left unsecured, or that you failed to follow a statutory procedure.

For example, the insurers may assert that you have not told them about the condition of your property, or failed to inform them about hazardous substances kept on your premises.

If you have not kept up to date with your monthly premiums or you have changed banking facilities and not updated your direct debit details.
Conditions are provisions inserted in the policy that qualify or place limitations on the insurer’s promise to pay or perform. If the policy conditions are not met, the insurer can deny the claim.

Insurance policies will usually require you to report a claim or a potential claim as soon as possible. Failure to notify your insurers in a timely manner could lead to their refusing to indemnify you due to late notification.

This is commonly known as underinsurance. This occurs when a business buys insurance cover, but the cover bought is not enough to meet its requirements in the event of a loss.

Unless you have a new for old policy, if the item for which you are claiming was old, your insurer will pay you less than the cost of replacing it with a new item. This is because you have already had some use from it. There is a limit in your policy on the amount the insurer will pay for any one item.

Premises that are left unoccupied for longer than a certain period, such as 30 days.

Want to speak to us about your business insurance claim? Contact our team at 0161 762 4949 for a no obligation assessment on your claim today!

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