Insurance, explained plainly

The five sections that decide whether a claim gets paid, and where to find them.

Renewal prices rarely reflect your risk. They reflect what the insurer thinks you will tolerate.

Four covers that matter for most small companies, two that are legally required, and the ones you can skip.

Who you call, what happens next, and how long each step should take.

What the excess is, why there are often two of them, and how to pick a figure you could actually pay.

A four-line sum that gets most people to the right figure, and why term cover is usually the answer.