A motor trader client was very concerned when his insurance company adjuster suggested he was underinsured for a serious theft of tools and equipment.  He was looking to his insurance brokers to clarify how this could have happened.

We carried out a full assessment of the claim and prepared a new schedule reallocating items as far as possible from hand tools (where there was very limited cover) to plant and equipment. This simple step largely overcame the suggestion of underinsurance and the adjuster accepted our limited definition of hand tools.

The end result was a happy client and a very relieved broker!