CHAPTER 6

Insurance and Claims Handling

Although this book is intended to help you manage the underlying risks in your business, rather than advising on how to insure them, I am so often asked questions about insurance that I have included a chapter on various aspects of that subject.

I have also included a few paragraphs on the handling of liability claims, which may be relevant whether you insure against them or not. Managing the claims is a separate issue from managing the risks that are apparently giving rise to them.

How to Reduce, or at Least Control, Your Insurance Premiums

There are two things you can influence which affect premiums: cover (i.e., what and how much you are insuring) and claims.

There are four main elements to cover, and ...

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