What we audit
Business insurance
We review what you pay and whether the schedule matches the business you run today. We do not arrange or advise on insurance — where cover needs changing, we introduce you to an authorised broker.
ABCA Solutions Ltd is not authorised or regulated by the Financial Conduct Authority. We do not advise on, arrange or recommend business insurance. We act as an introducer to authorised firms, who deal with you directly.
What we check
Everything on this list, on every audit.
Not a sample. If a line does not apply to your business, the report says so and why.
- 01Premium and excess against the sums insured
- 02Whether declared turnover, headcount and stock values are still accurate
- 03Gaps between the schedule and how the premises are actually used
- 04Duplicate cover across separate policies
- 05Renewal date and whether the policy auto-renews
Where the money goes
The four ways this line quietly gets more expensive.
None of these involve anyone doing anything wrong. They are how the contracts are built.
Auto-renewal at a loyalty premium
Commercial policies frequently rise at renewal without a corresponding change in risk.
Sums insured left at the original figure
Under-insurance triggers average clauses, which reduce a claim proportionally. Over-insurance is simply wasted premium.
Cover that no longer matches the operation
Adding delivery, a new unit, or plant on hire changes the risk. Schedules rarely follow.
What you receive
This line, on your report.
A written summary of your current premium, cover and renewal date, with any mismatch between the schedule and your operation flagged for an authorised broker to quote against.
Sector notes
How business insurance behaves by sector
The same line costs differently depending on what the business does. These are the sectors where it matters most.
- Industrial unitsWarehousing, light manufacturing, workshops and trade counters.
- Salons & barbersCard terminals per chair, booking software, low-load energy.
- Garages & MOT centresThree-phase power, compressed air, parts finance and liability cover.
- Care homesContinuous load, laundry and catering, resilient connectivity.
- Offices & professionalConnectivity, VoIP seats, banking and FX, cyber cover.
Other lines
The rest of the audit.
The last step is yours
Send us three bills. Keep the report either way.
It takes about five minutes at your end. Nothing is chargeable, nothing auto-renews, and nobody calls you unless you ask.