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Make a Claim – Commercial

1Start / Triage

2Incident Basics

3Fire

4Property Loss / Damage

5Escape of Water (EOW)

6Storm

7Theft

8Deterioration of Stock

9Public Liability

10Employers' Liability

11Subsidence

12Flood

13Malicious Damage

14Lightning

What's your policy number?
What's the name of your business or policyholder?*
What type of policy do you have?*
What kind of business do you run?*
Who should we speak to about this claim?*
What's the best phone number to reach you on?*
What's your email address?*

We'll send confirmation here.
Postcode Lookup*
What's the address of your business or property?*
Which island are you on?
Is your business VAT registered?*
- Yes
- No
What happened?*
- Fire
- Property loss or damage
- Escape of water (EOW)
- Storm
- Theft
- Deterioration of stock
- Public liability
- Employers' liability
- Subsidence
- Flood
- Malicious damage
- Lightning

Incident Basics
Have you made a claim under this policy in the last 5 years?*
- Yes
- No
Have you ever been convicted of fraud, theft, or criminal damage?*
- Yes
- No
Do you have another policy that might cover this loss?*
- Yes
- No
Is the property rented out or used by tenants?*
- Yes
- No
When did it happen?*
DD slash MM slash YYYY
What time did it happen?*

: Hours

Minutes

AM/PM
Where did it happen?*
Full address or a short description
Tell us what happened*
(just the facts)
Did you report it to the police?*
- Yes
- No
Which police station did you report it to?*
What's your crime reference number?*
Can you safely use or enter the property?*
- Yes
- No
If not, tell us why*

Fire
Did you call the Fire Service?*
- Yes
- No
How was the fire put out?*
Which parts of the property were damaged?*
Describe the damage - what was affected and how badly?*
Do you have photos of the damage?*
- Yes
- No
Do you have repair estimates yet?*
- Yes
- No

Item(s) damaged

Item	Cost (£)	Actions

There are no Items.

Maximum number of items reached.

Property Loss or Damage
What was the property being used for when it happened?*
Do you own the property yourself?*
- Yes
- No
Is anyone else involved (like a landlord, lender, or co-owner)?*
What's your interest in the building?*
Do you have any other cover for this property?*
- Yes
- No
Other insurer details*
Company, policy number, sums insured
Buildings sum insured (pre-loss)*
Contents sum insured (pre-loss)*

Schedule of damaged items

Description	Amount Claimed	Actions

There are no Items.

Maximum number of items reached.

Escape of Water (EOW)
What caused the leak or escape of water?*
Did anyone need to remove flooring or walls to find the leak?*
- Yes
- No
Who found or fixed the leak?*
Do you still have the broken pipe or part?*
- Yes
- No
If you still have it, please keep it.
How old was the broken part?*
DD slash MM slash YYYY
Which parts of the property were damaged by water?*
Describe the water damage*
Do you have photos of the water damage?*
- Yes
- No
Do you have repair quotes yet?*
- Yes
- No
Items damaged - schedule
Item Cost Actions
There are no Items.
Maximum number of items reached.

Storm
Was there heavy rain at the time?*
- Yes
- No
How strong was the wind?*
You can check your weather app
Which areas were damaged?*
Describe the storm damage*
Do you have photos of the damage?*
- Yes
- No
Do you have quotes for repairs?*
- Yes
- No
Item(s) damaged - schedule
Item Cost Actions
There are no Items.
Maximum number of items reached.

Theft
When did you discover the theft - and who found it?*
Was the property occupied at the time?*
- Yes
- No
If not, when was it last occupied and by whom?*
How did they get in?*
Was the property locked at the time?*
- Yes
- No
Which rooms or areas were entered?*
Do you suspect who did it?*
- Yes
- No
Who do you suspect? (If you know)*
Do you own the stolen or damaged items yourself?*
- Yes
- No
Do you have other insurance that covers theft?*
- Yes
- No
Other insurer details
Company and policy number
Roughly what's the total value of what was stolen or damaged?*
Have you had any thefts here before?*
- Yes
- No
Previous theft details*

Schedule of stolen items

Description	Amount claimed	Actions

There are no Items.

Maximum number of items reached.

Deterioration of Stock
Where did this happen?*
When did the breakdown happen?*
e.g., 2025-10-01 14:30
What caused the loss?*
What type of unit or freezer was affected?*
Maker name*
Serial number*
Year/Date of make*
Repairer name & address*
What steps have you taken to stop this happening again?*
Was it still under warranty or guarantee?*
- Yes
- No
Do you have a service contract for it?*
- Yes
- No
Service provider*
Total value of goods in unit*
Other insurers covering this loss
Should this follow the same format as the others? "Do you have other insurance that covers theft? > Other insurer details"

Damaged goods schedule

Description	Net loss	Actions

There are no Items.

Maximum number of items reached.

Public Liability
Where exactly did it happen?*
e.g. entrance, loading bay, shop floor
Who told you about it, and when?*
How did the accident happen?*

People or property affected

Name	Role	Injury/damage	Actions

There are no People.

Maximum number of people reached.

Witnesses
Name Actions
There are no Witnesses.
Maximum number of witnesses reached.
Did the police take evidence?*
- Yes
- No
Police badge no. & station*
Do you think someone else was responsible?*

Employers' Liability
Employee full name*
Employee age*
Relationship to the policyholder (if any)*
Employee address*
Length of service*
Regular or casual*
- Regular
- Casual
Usual occupation/grade*
Do you employ them directly?*
- Yes
- No
Marital status*
Is their spouse/partner working?*
- Yes
- No
Weekly wage/salary*
Weekly benefits in kind*
Children under 18 (ages)*
Accident details*
Machine involved? Guarding failure details*
Motor vehicle involved? Reg/VIN*
Defect or unsafe place/plant*
Was anyone at fault? (name & employer)*
Nature of injury (include left/right)*
Severity of injury*
Hospital or home*
Jersey or Guernsey Social Security Number*

Subsidence
Did you call the Fire Service?*
- Yes
- No
Describe the cracks or damage you’ve noticed*
Do you have photos of the damage?*
- Yes
- No
Where are the cracks?*
- Diagonal
- Horizontal
- Vertical
Is any water getting in through the damage?*
- Yes
- No
Have your drains been checked recently?*
- Yes
- No
When were they last checked?
DD slash MM slash YYYY

Flood
What caused the flooding?*
How deep was the water in your property?*
e.g. Less than 5cm / 5–15cm / Over 15cm
What did you do first after noticing the flood?*
Did you call the Fire Service?*
- Yes
- No
Which areas of the property were flooded?*
Describe the flood damage*
Do you have photos of the damage?*
- Yes
- No
Do you have repair quotes yet?*
- Yes
- No

Item(s) damaged - schedule

Item description	Approx. cost (£)	Actions

There are no Items.

Maximum number of items reached.

Malicious Damage
Do you know who caused the damage?*
- Yes
- No
Who do you suspect?*
Which parts of the property were damaged?*
Describe the damage that was caused*
Do you have photos of the damage?*
- Yes
- No
Do you have repair quotes yet?*
- Yes
- No

Item(s) damaged - schedule

Description	Amount claimed	Actions

There are no Items.

Maximum number of items reached.

Lightning
Where did the lightning hit?*
e.g. roof, aerial, nearby tree
Did it damage electrics, phones, or other devices?*
- Yes
- No
Which areas were affected?
Describe the lightning damage
Do you have photos of the damage?*
- Yes
- No
Do you have repair quotes yet?*
- Yes
- No

Item(s) damaged - schedule

Item	Area	Cost	Actions

There are no Items.

Maximum number of items reached.

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Terms of Business

Item*
Cost (£)*

Description*
Where/when acquired*
Original Cost*
Current Cost*
Wear & Tear*
Salvage*
Amount Claimed*

Item*
Cost*

Item*
Cost*

Description*
Where purchased*
Date of purchase*
DD slash MM slash YYYY
Current cost*
Amount claimed*

Description*
Quantity*
Cost price*
Salvage value*
Net loss*

Name*
Role*
Injury/damage*

Name*
Address*
Contact*
(email/telephone)

Item description*
Approx. cost (£)*

Description*
Where purchased*
Date of purchase
DD slash MM slash YYYY
Current cost*
Amount claimed*

Item*
Area*
Cost*