A metalworking business is asked to describe what it does.
“Metalwork.”
But what if it also uses plastics, wood, paint, solvents or composite materials? What if it undertakes recycling, powder coating, polishing, hot work or work away from the premises?
Those details can materially change the risk.
Who is in the wrong?
So who is in the wrong when they are not captured?
Is it the broker for not asking the right questions? The client for assuming their broker understands what is normal for the trade? Or the system itself, particularly when so many “specialist” markets still rely on standard question sets?
Our role as UnderRighters
We do not expect brokers or clients to know which detail will ultimately make the difference.
That is part of our role as UnderRighters.
At Elitium, we can be an extension of your team. You do not need to be an expert in every manufacturing process - that is where we can help.
Have a risk you’d like to discuss? Speak to our UnderRighters.
All cover is subject to underwriting criteria, policy terms, conditions and exclusions.