About the appointment itself
How long does each session run?
Claim walkthroughs are thirty minutes. Coverage reviews and life consultations are forty five. Quote consultations and business reviews are a full hour.
In person, phone or video?
Whichever suits you. Most reviews work well by phone because the documents are uploaded and read in advance.
What do I need to upload?
A declarations page for each policy you hold. For a claim walkthrough, the claim number and the adjuster letter. For a business review, the current commercial policy and any contract insurance requirements.
Why does the business review ask to verify my identity?
Commercial policy details are sensitive and we need to know we are discussing a business with someone authorised to discuss it.
Will I be asked to sign anything?
Only an acknowledgement that the session is advisory and that nothing is bound until a carrier issues a policy. No application is submitted without your approval.
After the session
You receive a written summary: the limits and deductibles you hold now, the ones we recommend, and the reasoning behind each change. If you asked for quotes, they arrive beside your current policy at matching limits so the comparison is honest.
From there nothing moves until you say so. If you choose to place a policy we prepare the application, submit it, and tell you the moment the carrier issues, because that is when coverage actually begins.