Risk perspectives - The importance of filling in forms

Clients generally don't like filling out long and detailed insurance proposal forms and, at times, may give short or incomplete answers to questions. Brokers can also sometimes be guilty of only giving a proposal a quick "once over" due to pressures of workload before presenting the risk to an underwriter.

Taking short cuts can become a real issue in the event of a catastrophic claim when the proposal is the first point of referral for the insurer. It will be examined for errors or omissions and