Business Insurance Review
Not sure your current cover still fits? Start with a review.
Send us what you have — a policy, a renewal notice, or just a plain description of how your business operates — and we'll tell you honestly whether it still holds up, and what a licensed broker can offer instead.
How it works
Three steps, starting today.
Tell us what you have
Share a current policy, a renewal notice, or just a short description of your business and its risk — nothing formal is required to start.
We check it against your risk
We look at whether the cover, limits and exclusions still match how the business actually runs today — not how it ran when the policy was first taken out.
We point you to the right next step
A warm introduction to State Insurance Brokers for new or updated cover — or, if something's already gone wrong, our Claims Support process instead.
What we review
Four areas, chosen because they carry real exposure.
Employee Medical Cover
We check whether your group medical plan still matches your headcount, claims history and benefit design — and benchmark it against what similar employers are offering.
Good for: renewal season, cost review, benefit redesign.
Review my medical cover →Cargo & Transit Cover
We check whether your marine cargo cover matches how goods actually move — single-shipment vs. annual, declared value, and what's excluded.
Good for: new trade lanes, cost review, a damaged-shipment scare.
Review my cargo cover →Project & Workforce Cover
We check whether your Contractors' All Risks and workforce cover match your contract value, project type and site exposure — before or during a project.
Good for: new tenders, project starts, contract insurance requirements.
Review my project cover →A Claim That's Stuck
We check what's actually happened with a delayed, disputed or rejected claim, and help you prepare the next step.
Good for: rejected claims, slow responses, unclear insurer decisions.
Review my claim →Before you start
Helpful to have — not required
None of this is required to send an initial enquiry. If you have it to hand, it just means we can give you a sharper first answer.
- Your current policy schedule or renewal notice, if you have one
- Rough headcount, for a group medical review
- Shipment type and typical trade lanes, for a marine review
- Project or contract value and type, for a CAR review
- Otherwise — a short description of your situation is enough to start
Get started
Request your review
A few details are enough for us to come back to you — usually within one business day.
Want the fuller picture first? See what VLink facilitates, why we work this way, or browse Insights.