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Free insurance and claims advice from the FSB Insurance Service

As one of the FSB's member services, we have a commitment to the small business community. This means we offer free claims and general insurance advice.

You don’t even need to be a member of the Federation of Small Businesses or have a policy with us to have access to this. You can contact the advice team in the following ways:

By phone: 0344 892 1484 

By email: fsb@towergate.co.uk

By post:

FSB Insurance Service
Downsview House
141/145 Station Road East
Oxted
Surrey
RH8 0QE

Case study: Colchester Physiotherapy

Alasdair Jones of Colchester Physiotherapy was greeted by sewage seeping through the floor of his practise one morning when he got to work.

The drainage system in the street outside had become blocked and although the local water company was already on the case, it left Mr. Jones with a serious business interruption issue.

"I needed to know immediately whether I could carry on treating patients in the unaffected part of the building, or to close," he said. "The best my insurance company could do was promise to send someone out within five days!"

Unsure whether closing his practice without the authorisation of his insurance company might invalidate the policy, he called the FSB's legal helpline out of desperation who then suggested contacting the FSB Insurance Service.

"I didn't expect any help, but to my surprise, they said 'no problem' and immediately opened a case file," added Mr. Jones.

Armed with advice from the FSB Insurance Service, Mr. Jones closed the practice on the grounds that the sewage leak was a health risk and any resulting claim from a patient would be much higher. The knowledge that the team imparted to Mr. Jones also put him in a position to go back to his insurers and put more pressure on them to get their act together.

All of this was done for Mr. Jones despite the fact that he did not have his business insurance arranged through the FSB Insurance Service. If you ever find yourself with a similar dilemma on your hands, don't hesitate to give us a call!

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