Begin with what the business actually does
Describe your activities in practical terms rather than using only the registered company name. Explain who your customers are, where you work and whether your staff visit client premises. A shop receiving visitors, a contractor working on sites and a professional providing advice need different quotation discussions. Tell JAZ about products supplied, services performed and countries involved. The clearer the activity description, the easier it is for insurers to identify the proposal they are being asked to prepare.
Different responsibilities need different discussions
Liability proposals may concern interactions with the public, products supplied or professional services. Ask the insurer to identify the exact type of policy being proposed and the activities it describes. If a customer contract requires particular insurance, share the relevant text rather than relying on a short verbal summary. JAZ can help organise the questions and request available offers. The aim is to understand the proposed arrangement in relation to the work you perform.
Information to prepare before requesting offers
Depending on the activity, insurers may ask for turnover, payroll, employee numbers, qualifications or a description of contracts and customers. A business operating at several locations should identify each site and explain the work undertaken there. If subcontractors are involved, describe their role. Prepare current figures and distinguish between different activities where possible. This gives JAZ a clearer basis for requesting proposals and makes it easier to compare insurer responses against the same description of the business.
What influences the premium
The nature of the work, business size, geographical reach and the level of insurance requested can affect pricing. Insurers may also ask about experience and the way services are delivered. Ask for the proposed insured activities and financial amounts to be shown in the quotation. If two offers are based on different descriptions, clarify those differences before comparing price. JAZ can help organise the proposals and obtain answers to the questions that matter to your business.
Contracts and changes in activity
Insurance administration should follow changes in the work you undertake. Tell JAZ before adding a new service, entering a new market or accepting a contract with insurance requirements you have not previously discussed. Keep copies of contracts and policy documents together so the relevant details are available when needed. JAZ can help pass questions to the insurer and explain the process for requesting an update to the insured activity or other policy information.
Request a liability insurance comparison
Contact JAZ with your occupation or business activity, operating locations and the purpose of the insurance request. Share current policies if you want the existing arrangement reviewed alongside available alternatives. JAZ is an independent licensed broker based in Lebanon, serving clients in Lebanon, the Middle East and internationally. Before renewal, update the business figures and activity description. Every client who takes out a policy through JAZ receives a dedicated hotline number for claims assistance, available 24 hours a day, 7 days a week.
Discuss your insurance with JAZ
Call +961 81 955 961 or email info@jazinsurance.com. Describe your request and the proposed start date so JAZ can explain the next steps.
Request a quotation
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