BTLA BROKER / 02 / FOR BUSINESSES
Business property insurance.
Is your policy keeping pace with growth?
A new production building, machinery or more stock? We will check whether the sums insured and cover reflect your current property. We will link this analysis to the question of how your business would meet its costs during an interruption.
BTLA BROKER / CONTACT
Discuss property cover.
Tell us what has changed in your business. You do not need all the values or documents now.
Call us 32 307 70 37Send an email [email protected]Prefer to start with a conversation? Call us.
How would you prefer to start?
Property and business continuity: start with your needs. You can add the details when we talk.
Service hours: Mon–Fri, 8:00–17:00
What next? After you submit the enquiry, our team will contact you about it and establish what information is needed for a review.
A topic is enough to start. The BTLA team will agree with you what information and documents are needed.
Service hours: Mon–Fri, 8:00–17:00.
Conversations in Polish or English.
The data controller is BTLA BROKER LEADER sp. z o.o., al. Wojciecha Korfantego 138A lok. 114, 40-156 Katowice. We will use the data provided to handle your enquiry and contact you about it. Details of data processing and your rights are available in the privacy policy. Privacy policy (new tab).
Before you contact us
How much does working with BTLA cost?
We agree the scope of analysis and payment arrangements before starting work together. Sending an enquiry initiates contact; it does not form a contract for paid services. Legal assistance in a dispute is agreed separately.
Where does the broker's remuneration come from?
Before we begin working together, we will explain the remuneration arrangements for your case and whether the client is expected to pay a fee. It is worth distinguishing the cost of the policy itself from payment arrangements for brokerage and legal services.
I have a policy from an agent. Can I bring it to BTLA?
Yes. Your existing policy is a useful starting point for a review. We will check its scope and your company’s current situation. Talking to BTLA does not, in itself, amend or terminate the contract in force.
Do you need to wait until the current policy expires?
The conversation and analysis can start earlier, particularly after buying machinery, expanding or changing your operations. The timing and possibility of changes to cover depend on the particular contract.
01 / YOUR SITUATION
When one asset brings the whole business to a halt.
We build a property programme around how the business operates. A manufacturing plant needs a different assessment from a warehouse, office or network of sites.
- Production depends on a key machine or line.
- Stock values change seasonally.
- The business uses owned, rented or entrusted property.
BEAVER AND SUPERPARROT / BUSINESS IN PRACTICE
The business grew. What about the policy sum?
Beaver bought more machines, built a hall and filled the warehouse. He renewed his policy just as he had the year before. Until a loss occurred.
Check whether your sum insured keeps pace with your business. The calculator shows a simplified underinsurance example; actual settlement depends on factors including the insurance basis, contract wording and property value.
@btla_official · video in PolishThe business grew. What about the policy sum?
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02 / SCOPE OF OUR WORK
Property, engineering and business continuity.
The scope and availability of cover depend on the company's situation and the terms of individual offers. We also discuss limitations together.
What do we check in these areas?
Buildings and equipment
We organise locations, property ownership and valuation bases. We check whether insurance data reflects the company's current position rather than a schedule from several years ago.
Machinery and stock
We analyse critical machinery, equipment and how goods are stored. Cover for breakdowns, external events and damage to electronic equipment requires separate checks.
Downtime and additional costs
We discuss lost profit, the time needed to resume operations and loss-related costs. We examine how these covers connect with property insurance and the conditions for benefits to be payable.
- Organised location and asset data.
- The reasoning behind sums insured, limits and valuation bases.
- Comparison of property and engineering cover.
- Discussing interruption risks and post-loss costs.
04 / HOW WE START
From a conversation to an informed decision.
What should you prepare first?
Prepare policies, a summary of property and locations, and information about key processes. It is worth identifying the asset whose loss would most disrupt continued operations.
What do we check in these areas?
We map your assets
We establish ownership, values and the significance of assets.
We compare cover
We assess quotations and limitations using the same assumptions.
We agree the programme
We discuss the recommendation and data update arrangements.
05 / BEFORE WE TALK
Worth knowing.
Is book value sufficient to set the sum insured?
It does not always match the agreed insurance basis. The valuation method must fit the contract terms and cost of restoring the property to use.
Does a building policy cover its tenant?
Do not assume this. The tenant’s property, improvements and liability for damage are separate matters. We will check the division of interests between the owner and occupier.
Does property insurance cover lost revenue?
Protection against the consequences of business interruption is analysed separately. The benefit calculation method, link to property damage and indemnity period are important, among other things.
What about a new machine bought during the year?
A change in property must be considered against the terms of the current contract. It is worth establishing the rules for reporting investments and any automatic cover limits.
THREE AMOUNTS / CLEAR ASSUMPTIONS
Does your sum insured keep up with the value?
See how a simplified claim settlement changes when the sum insured is below the property value.
Assumption before calculating: the model applies a proportional reduction (average) unless you select first-loss cover or the tolerance entered disapplies it. We first apply the proportion, then deduct the excess, and finally apply the sum insured limit. The OWU may provide for a different order or method of calculation.
A lower sum insured can mean a larger shortfall.
Enter your own scenario or use the example. You will see two versions of the same model.
YOUR EXAMPLE / WHAT DO THESE FIGURES MEAN?
Part of the loss left for you to fund in this model
This is a simplified simulation, not an awarded compensation amount. Payment depends on the policy terms and the circumstances of the loss.
See the detailed calculation and assumptions
- Shortfall against the property's value
- Result using your chosen settings
- Without the average clause
- Part of the loss outside the model result
- With the sum insured equal to the property value
- Difference between the scenarios
Adds a summary to the contact form. You decide whether to send it.
Also check the cost of downtime →How do we calculate it? Full assumptions and limitations
With the average clause: loss × ratio, followed by deducting the excess entered and applying the sum insured limit. Without the average clause: the loss less the same excess, up to the sum insured. The result cannot fall below zero. The full-sum comparison keeps the excess and changes the sum insured to the property's value. Amounts are rounded to grosze.
- We assume a covered loss within one homogeneous category of property, with amounts stated on a comparable basis. A loss exceeding the property value triggers a warning about an inconsistent scenario.
- We include an excess only if you enter one. We disregard sublimits, non-deductible franchises, previous payments and other limitations. The entire sum insured is assumed to be available.
- Average does not automatically apply in every policy. Relevant factors include the insurance basis, contract wording, underinsurance tolerances and an assessment of whether a particular provision is permissible.
- This does not assess lost profit or whether a particular decision is correct. The actual payment could be higher or lower.
A higher sum insured does not replace checking the scope of cover. A review also compares exclusions, limits and valuation methods.
SPECIFICS / BEFORE A DECISION
Before you request a quote.
What affects the cost?
- Property value and how it is determined
- Activities, locations and security
- Cover, excesses and claims history
These are starting points for a conversation. A meaningful price comparison requires a defined scope and terms of cover.
What will help our first conversation?
- List of locations and types of property
- Estimated values to check
- Information about security measures and claims
Don't have everything? Start with a brief description. We will establish what can be added later.
Is copying sums from the previous policy enough?
It is worth checking. Rebuilding and machinery replacement costs and stock levels can change. We will establish the basis of the values used and whether they need updating.
KNOWLEDGE BEFORE A DECISION
Check before we talk.
TAKE A WIDER VIEW
Related areas of cover
TAKE A WIDER VIEW