26/08/2026
Are last year’s insurance figures still enough?
The cost of rebuilding a property, replacing machinery and recovering after a serious loss continues to change. If your sums insured have simply been carried forward from last year, your business or property could be underinsured.
This matters because an insurer may reduce a claim proportionately—even where the amount claimed is below the overall sum insured.
Our latest article explains underinsurance in straightforward terms, including the risks for:
✅ UK SMEs
✅ Commercial property owners
✅ Residential landlords
✅ Businesses relying on machinery, equipment or stock
✅ Anyone with business interruption or loss-of-rent cover
It follows the underinsurance feature in our Autumn 2026 Covernotes newsletter, through which we regularly provide clients with practical insurance and risk-management advice.
Read the full article here: https://munro-greenhalgh.co.uk/underinsurance-uk-business-property-owners/
Unsure whether your figures are still adequate? Speak to the team at Munro-Greenhalgh on 01706 824 023.
Underinsurance can reduce an insurance claim when buildings, contents, stock or business interruption figures are too low. Read our guide for UK SMEs and property owners.