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.
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Marine insurance: boats and yachts
How boat and yacht insurance is quoted and taken out, what it covers in port and at sea, and what to do if there is a claim.
The more specific your situation, the more important it is to review it with our team before making a decision.