Claims checklist

Have you received an email or letter from someone threatening to take legal action or make a claim against you? Here’s what to do:

• Don’t panic. If you have taken out professional indemnity or public liability insurance with us, you are most likely covered. Follow the steps below.
• Don’t admit blame, apologise, or try to reason with anyone who is issuing legal threats.
• Take all reasonable steps to prevent further loss or damage, or to recover lost property.
• If there has been loss or damage caused by malicious persons such as thieves, rioters or vandals, contact the police immediately and get a crime reference number.
• Contact your insurer’s claims team. Their contact details are in your policy documents. Even if you are not sure whether you will need to make a claim on your insurance policy, it is better to notify them early of any potential problems. It won’t count against you in the future if it turns out to be a false alarm.

What do we not allow?

Please be aware that if you make a fraudulent or exaggerated claim, or make a false statement in support of a claim, or submit a false or forged document in support of a claim, then we may refuse to pay the claim, whether or not the claim itself is genuine.