The Coverage Ledger
Commercial Insurance & Reinsurance Intelligence
Step 6 · Business Owner's Desk
Insurance decisions in business language.
Direct answers for owners and finance teams—what to insure, what to report, what to compare, and what to preserve before a claim tests the policy.
Owner question 01
What insurance does my company need?
Start with the business, not a standard product list.
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Owner question 02
How much should I insure my property for?
Market value and accounting value may not equal reinstatement cost.
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Owner question 03
What if my turnover increases?
Growth can make business-interruption figures and liability exposure stale.
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Owner question 04
Should I report new machinery?
Yes—before installation where possible.
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Owner question 05
What should I do immediately after a fire?
Protect people first, then preserve the claim evidence.
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Owner question 06
What records should exist before a claim?
A clean evidence file can shorten a difficult claim.
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Owner question 07
Why can a claim be declined or reduced?
A loss and a covered claim are not the same thing.
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Owner question 08
Broker versus insurer: who does what?
The broker advises and arranges; the insurer accepts and carries the risk.
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Owner question 09
Cheapest quotation or best coverage?
Compare the contract, not only the premium.
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Owner question 10
How often should insurance be reviewed?
Formally at least annually—and whenever the business materially changes.
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Renewal readiness