Your renewal is approaching
Through this service, a quotation can be arranged during the final 30 days of the current policy. Preparing earlier helps make that short window count.
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Business insurance for Devon & Cornwall SMEs
Business Insurance in Devon & Cornwall
Review your cover. At the right time.
Looking for business insurance comparison at renewal? SME Sorted introduces you to a third-party provider who can discuss your requirements and available policy options, including cover limits, exclusions and excesses. SME Sorted does not provide insurance advice or compare policies itself, and does not claim to search the whole market.
Free introduction No obligation
Review business insurance before renewal
A business insurance review is an opportunity to describe the business accurately before a broker or insurer discusses cover. Changes to turnover, employees, premises, equipment, services or previous claims may affect what protection is appropriate. SME Sorted can arrange an introduction to a participating broker or provider during the eligible quotation window; it does not recommend policies or provide insurance advice.
Use the business insurance renewal checklist to prepare.
When to take a look
Insurance should keep pace with the business.
A policy that was suitable before may not reflect the people, assets, activities or risks your business has today.
Your business has changed
New services, staff, premises, equipment or turnover can change the risks your business needs to consider at renewal.
You want to understand the cover
A proper review gives you time to consider limits, exclusions and excesses instead of choosing solely on the renewal price.
Insurance renewal guide
Prepare before the final 30 days.
Use our practical checklist to review business changes, sums insured, excesses, exclusions and policy conditions before renewal.
Read the Business Insurance Renewal Checklist for Devon & Cornwall SMEsThe “that’ll do” policy
Thirty days can disappear quickly.
When insurance is left until the renewal window, busy SMEs can feel pushed towards the quickest acceptable option: the “that’ll do” policy. But choosing mainly to meet a deadline can mean important changes, limits or exclusions do not get enough attention.
If the policy does not reflect the business accurately, essential risks may be uninsured or the business may be underinsured. Starting the conversation early creates time to gather accurate information, think through what needs protecting and use the final 30 days properly.
Cover to think about
Start with how the business really operates.
The cover a broker can discuss depends on the business, its risks and underwriting. These are useful areas to consider—not a complete list or a recommendation.
Liability cover
Public liability and, where required, employers’ liability can help protect the business when people are injured or property is damaged.
Premises, stock & equipment
Consider the buildings, contents, stock and essential equipment the business relies on, including realistic replacement values.
Professional & digital risks
Professional indemnity, cyber and other specialist protection may be relevant depending on the work you do and the data you handle.
Trade-specific risks
Tools, vehicles, work away from the premises and industry-specific activities may need additional or specialist cover.
Not in the switching window?
Think of it as an MOT reminder for your insurance.
You do not need to wait until renewal month to contact SME Sorted. With your permission, we can note when the policy is due, then get in touch as the 30-day window approaches to ask whether you still want a quotation.
Tell us the renewal date
Share when the policy renews and, if available, a copy of the current schedule or renewal notice.
SME Sorted notes the date
With your permission, SME Sorted records a reminder and any business changes worth revisiting.
We check before taking action
As the renewal approaches, SME Sorted asks whether you still want a quotation. Nothing proceeds without your confirmation.
No obligation. No quotation is arranged until you confirm that you still want one.
During the final 30 days
From business details to an informed decision.
Build an accurate picture
The broker will ask about the business, its activities, people, premises, assets, claims history and the cover you want considered.
Review the available quotation
Read the cover limits, exclusions, excesses, endorsements and price carefully, and ask about anything that is unclear.
You decide
Choose whether to proceed only when the policy meets the needs you have discussed. The contract is directly with the insurer or broker.
Questions, answered
Plan now. Decide at renewal.
Clear boundaries around the reminder, introduction and quotation process.
How long should I keep business insurance policies?
There is no single retention period that suits every business insurance policy. Keep schedules, policy wording, certificates, endorsements and claims correspondence securely so you can establish what cover applied at the relevant time. HSE strongly advises retaining a complete record of employers’ liability insurance because disease claims can emerge many years later. Ask your insurer or broker about retention for each policy type, including any claims-made cover, before destroying old documents.
What information is needed to renew commercial property insurance?
Prepare the current schedule, renewal date, claims history and accurate details of the premises, their use, construction, occupancy and security. Gather up-to-date rebuilding-cost information, stock and equipment values, and details of alterations or changes in activity. Discuss business interruption needs and any lease or lender requirements with the insurer or broker. Rebuilding cost is different from market value; ask the provider whether a professional assessment is needed. SME Sorted can arrange an introduction but does not advise on cover.
What should I review at renewal if my policy includes services I do not use?
Identify the unused extras and ask the insurer or broker whether they are optional, separately priced or part of a package. Check how removing them would affect the premium, other benefits, exclusions and any contractual obligations. An unused assistance service is different from insurance protection you have not needed to claim on. Ask the provider to explain the effect of each proposed change before you accept the renewal; SME Sorted does not recommend removing cover.
Why contact SME Sorted before the final 30 days?
Because the quotation window is short. Contacting SME Sorted earlier gives you time to note the renewal date, gather the right information and identify changes to discuss. With your permission, SME Sorted can remind you as the window approaches and first ask whether you still want a quotation.
What should I have ready?
A current policy schedule or renewal notice is useful, together with your claims history and accurate details about activities, turnover, employees, premises, equipment, stock and any work carried out away from the premises.
Does the review cost my business anything?
No. SME Sorted does not charge your business for the introduction or renewal reminder. If you arrange cover, SME Sorted may receive a commission from the third-party provider.
Does SME Sorted provide insurance advice?
No. SME Sorted acts as an introducer, not an insurer, broker or insurance adviser. The third-party broker or provider explains the available product and handles the quotation. You should make sure you understand the policy documents before deciding.
Does SME Sorted search the whole insurance market?
No. SME Sorted does not claim to search the whole market. The quotations available depend on the participating broker or provider, eligibility, underwriting and the needs of the business.
Can I cancel or change the reminder?
Yes. You can ask SME Sorted to update the renewal date or stop the reminder at any time. A reminder does not renew, cancel or change any policy.
Further reading: HSE’s employers’ liability insurance guide and ABI’s commercial property insurance guide.
Ready when you are
Put your insurance renewal on the radar.
Tell SME Sorted when your policy renews. If it is too early for a quotation, we can ask whether you still want one when the 30-day window approaches.