Notifying Claims and Circumstances under Claims-made Liability Insurance: Identification, Knowledge, Timing, Policy Requirements, Notification Scope and Renewal Implications
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Practice notes
This Practice Note offers hands-on guidance on reporting claims or potential matters under liability policies, including professional indemnity cover. For more on liability cover, refer to the Practice Notes: Liability insurance—essentials and Liability insurance—notification of claims and circumstances and defence of claims.
Review your policy
Most liability policies are written on a ‘claims made’ basis, obliging the policyholder to notify claims or circumstances (as distinct from loss or damage to insured property). Your first task is to examine the policy wording to determine precisely what must be notified and the timing requirements.
If more than one policy might respond, evaluate each and check for any other insurance provisions (see Practice Note: Double insurance and contribution).
Gather all relevant documents, including the complete wording together with schedules and endorsements. Where only a summary was supplied at placement—as is common—you may need to source the full wording from the broker or insurer. Wordings can also be downloaded from the broker’s or insurer’s website; in every case, verify you have the right form by checking its reference and version/date...
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Web page updated on 21/05/2026
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Date [ date ] Parties [ name of Landlord ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Landlord) [ name of Tenant ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Tenant) [ [ name of Guarantor ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Guarantor) ] [ [ name of Mortgagee ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Mortgagee) ] Definitions Within this Deed, the terms below shall be interpreted as follows: [ Annual Rent • the annual sum reserved under the Lease; ] [ Insurance Rent • the Tenant’s share of the Landlord’s costs of insuring the Property (as set out in the Lease); ] Lease • the lease of the Property dated [ date ], entered into between (1) [ the Landlord OR [ name ...
I, [ name ], of [ address ], solemnly and sincerely state that: [ Matters to be verified, set out in numbered paragraphs ] I make this solemn statement in good conscience, believing it to be true, and pursuant to the provisions of the Statutory Declarations Act 1835. DECLARED at [ details ] this [ day ] day of [ month and year ] Before me ................................................................................ [ signature of the person before whom the declaration is made ] A [ commissioner for oaths OR [ solicitor OR [ insert other qualification ] ] authorised to administer oaths ]...
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