In the event that you need to make an insurance claim, you should quickly inform your insurance provider, and if necessary, report any incidents to the police or other relevant authorities.

Before making a claim, you should make sure you have detailed documentation about how and when the incident occurred, and how it has affected your business.

If you need to undertake emergency repairs to minimise or prevent further damage to your business or your assets, make sure you check your policy details first to be sure that any repairs you make will still be covered. Keep copies of all invoices and bills so you can provide these to your insurance provider.

You also need to consider whether paying for any repairs or replacements yourself will be better value for you than paying your excess for the claim.

Any claims you make will also affect your future insurance rating.