When to Contact Your Insurance Broker (Beyond Renewal Time)

Changes do not wait for renewal

Insurance is arranged using information about your activities and circumstances. That information can become outdated during the year. A short conversation when a meaningful change is proposed can help identify questions before you commit to a new contract, asset or location.

Describe the change promptly, including when it will happen and what is different. Check your policy and disclosure obligations rather than assuming every change can wait until the next renewal. CPC can help you understand what information an insurer may need.

New work and contracts

Tell your broker about new services, products, advice or design responsibilities. Customer contracts may introduce insurance requirements or liability obligations that your existing policy does not meet. Send the relevant clauses for discussion; a certificate of currency alone does not explain the full policy scope.

Acquisitions, expansion into new areas and changes in the business structure can also matter. Explain which entities will undertake the work and whether overseas activities or different customer groups are involved. Insurer acceptance should not be assumed from your existing arrangements.

Assets, people and operations

New equipment, stock increases, renovations and changed premises can affect values and risk information. Staffing and turnover changes may be relevant to several sections. Describe alterations to vehicle use, drivers, loads or operating radius, as well as new reliance on systems, data or important suppliers.

Keep records of what you have provided and review any updated schedule, endorsement or policy documents. Ask about an unclear limit, condition or exclusion before relying on an assumed change in cover. A request to amend a policy is not itself confirmation that the amendment has been accepted.

Potential claims and circumstances

Contact CPC promptly about a claim or an event that may give rise to one. Claims-made policies can have particular notification requirements, so waiting until renewal may be inappropriate. In an emergency, prioritise safety and emergency services first.

If something in your business has changed, bring the details to CPC for a practical review. This is general information, not a promise of acceptance: any new or amended cover depends on the insurer’s agreement and applicable policy wording.