If something goes wrong at your salon and you need to make a claim on your business insurance, it can be a stressful time. But Anja Cantillon, of Pet Business Insurance says making the claim should be the easy part. …
Having specialised in providing insurance for Pet Business owners over a number of years, I am continually surprised to find many business owners do not do themselves any favours when making an insurance claim. Here are some key points that should make making an insurance claim less stressful. Your policy Good general housekeeping advice is to keep all your insurance details in a safe place – somewhere where they won’t be damaged, destroyed or lost.
Then if you need to make a claim they will be easily at hand. If you think you need to make a claim, don’t wait too long. Contact your insurance provider immediately so that they are aware of your situation. Although speed of response is vital in making an insurance claim, it is advisable not to act too hastily. Make sure you have considered all the impact for the claim as it is very rarely that you will be able to claim for additional, overlooked losses at a later stage. When to contact the police In the case of a crime it is essential to inform the police straight away. In addition your insurer will require a crime reference number to process this type of claim. It is important, from the outset, to keep records and gather all the evidence you can to back up your account of events. For example you should keep receipts for work carried out, correspondence notes, details of telephone conversations and visits, photographs of damage and proof of purchase for items damaged. You may need to fill in a claims form so that you can begin your claim. Your insurance provider should provide you with this and having all of the evidence listed above will help greatly with filling in the form. Alternatively many insurance companies are happy to talk through your claim over the phone. Either way they will be able to assist you further should you have any queries. For more information about Pet Business Insurance and clear descriptions of different types of recommended insurances see the Pet Business Insurance information pages at www.petbusinessinsurance.co.uk
