Adding value offers protection

Statistics from various insurance-preferred suppliers indicate that the average level of underinsurance currently ranges from 50-60%.

Although the number of claims received by insurers has fallen, the cost of UK fire losses in 2008 were the highest recorded, standing at £1.27bn (£865m commercial properties), a 16% increase on 2007's figures.

To ensure business continuity, the importance of establishing adequate levels of cover, especially in the current climate, cannot be underestimated and is a