The same losses, in the language of your trade.
What actually goes wrong differs less by loss type than by business. These pages say what we see going wrong in each, and which playbook to open when it does.
Six sectors
and one of them is a houseTransport and Logistics
Somebody else's goods, on somebody else's schedule, under somebody else's contract of carriage. When a lorry goes over, three of those come due at once.
Textile and Apparel
Stock is high, it moves daily, and the declaration was made in March. The average clause was designed for exactly this gap.
Engineering and Manufacturing
The machine that broke is the small half. What the stoppage cost is the large half, and that is a separate policy plenty of firms never bought.
Construction and Infrastructure
Four covers run on one site, each with its own conditions. After a collapse the argument is rarely whether it happened, but which of the four answers.
Hotels and Hospitality
Guests, kitchens, a lift, a pool and a building, all trading. A hotel makes more kinds of claim per square foot than anything else we handle.
IT and Professional Services
Nothing here burns. What goes wrong is a system, a file or a piece of advice, and a property policy written for a building will not look at any of it.
A household is a sector too, and it is the one nobody writes a page for. Car, health, life, home and travel are in the claims library, arranged by what happened.
Yours not on this list? Most claims are not sector work.
Whoever placed your policy, and whatever stage the claim has reached.