It is very important that you notify us as soon as you become aware of a possible claim. This is one of the terms of your policy.

Late notification can be a reason for insurers to reject a claim because the longer things go on without their involvement, the more their position is prejudiced. If you have delayed in fulfilling your responsibility to inform them, you may breach the terms of your policy and they would be within their rights to decline the claim.

Remember, your insurers are experts and getting their claims team involved means you are putting the matter into the hands of people who know what to do and what not to do. By acting early they can often prevent a situation from escalating.

You have purchased insurance so that you have the peace of mind it brings; knowing you are protected in the event of a claim. So you want to make sure that you act in accordance with your policy so that you do not invalidate the insurance.

Make sure that you read the policy wording, in particular with regards to record-keeping, the need to inform us promptly of potential claims and being co-operative throughout the claims process. Having clear contracts of agreement, written descriptions of the service you offer and what clients might expect, and client records detailing services/products provided will all help in the event of a claim.