Why September
Most SME contracts run on calendar year, expire 31 December with 3-month notice. Audit in August-September gives time to compare and send registered letters before deadline.
7-policy checklist
1) Pro liability 2) LPP 3) Loss of earnings 4) Property 5) Cyber 6) Fleet 7) Employer liability. For each: premium, cap, deductible, exclusions, claims history.
Polia handles it
Polia SME audit free, on-site or video. Comparison of 3-5 insurers within 5 working days. Polia handles cancellations, transfers, signatures. Lifetime claim support. Average saving 12-22%.