When you apply for your insurance – whether direct to an insurer or via an insurance broker like The garage Broker – it is very important that you give them all the relevant information about your business. If you fail to do so this could affect a claim or your cover going forward. This is called your duty of disclosure. This is contained in the Insurance Act which was brought in to give clarity over what you must disclose and what your obligations are to your insurer in order to present your risk fairly to them. The key points to note are: The insurance customer must make adequate enquiries within their business to identify and verify information relevant to their insurance risk(s) concerned. The enquiries must include all relevant knowledge of the ‘senior management’ of the business and those involved in buying the insurance (including your broker if you have one). Reasonable enquiries must also be made of any relevant third parties involved with the business, including external consultants, contractors and anyone insured by the policy. Your application for insurance must be clear so that the insurer can take a view on the insurance risk. You must also adequately highlight unusual activities and/or known areas of concern that could affect the risk. The duty of disclosure is a continuous one and so also applies to any changes in your business after you have bought the