FAQsWhat businesses ask us most
We answer the most common questions about how insurance works, how we work at InsurCEO, and the Professional Indemnity, D&O, Cyber and other lines we manage for businesses. Choose a category to see its questions.
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General questions about InsurCEO
What InsurCEO is, which insurance lines we manage, and how we work as a brokerage specialised in businesses.
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The basics: how insurance works
Premium, deductible, policy wording and exclusions: the concepts worth understanding before taking out a policy.
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Taking out and maintaining a policy
Risk disclosure, endorsements, renewal and what to do when your company's activity or revenue changes.
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When a claim happens
How a claim is reported, what a loss adjuster does, and your options if you disagree with the payout.
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Multi-risk insurance: commercial premises and General Liability
What a commercial or office multi-risk policy covers, and the key differences in General Liability, burglary, theft and replacement value.
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Professional Indemnity
What Professional Indemnity covers, how its limits work, and what happens if a client makes a claim or threatens to sue.
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D&O (Directors and Officers Liability)
What D&O insurance protects, which roles it covers, and how it works in mergers, insolvency proceedings or investigations.
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Cyber insurance
What cyber risk insurance covers, how it differs from cybersecurity, and from the cover included in a multi-risk policy.
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Group insurance: life, health and accidents
How group life, health and accident policies work, and their advantages over individual insurance.
The more specific your situation, the more important it is to review it with our team before making a decision.