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Commercial demands and needs builder

Client-ready demands and needs statements in minutes

Build a tailored demands and needs statement for every commercial client from the information you already hold — written in plain English and ready to send in Word.

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Sample: a commercial demands and needs statement

Sample output — no sign-up needed
STATEMENT OF DEMANDS AND NEEDS

Client: Harbour Lane Joinery Ltd
Prepared by: Sample Broker, Sample Broking Ltd
Policy: Commercial Combined

1. What you told us
You manufacture bespoke joinery from a leased unit in Leeds, with turnover
of £1.4m and 12 employees. You supply contractors who require £5m public
liability cover under their subcontract terms.

2. Your demands and needs
- Employers' liability — required by law as you employ staff
- Public and products liability at £5,000,000, to meet contract terms
- Contents, machinery and stock on a new-for-old basis
- Business interruption on a gross profit basis, 18-month indemnity period

3. Our recommendation
We recommend the Commercial Combined policy from [Insurer] because it meets
each need above. Note the dust extraction condition: machinery must be
cleaned daily or a claim for fire damage could be reduced or declined.

4. What is not covered
Professional design work is excluded. You told us you do not provide
design advice; if this changes, tell us so we can arrange cover.

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How it works

  1. Step 1

    Add the client facts

    Trade, premises, turnover, staff and contract requirements — or upload the fact find.

  2. Step 2

    Choose the covers

    Pick the sections recommended and the reason each one meets a stated need.

  3. Step 3

    Review the draft

    Key conditions and what isn't covered are spelled out, so the client knows exactly where they stand.

  4. Step 4

    Export and file

    Download in Word, adjust if needed, and save to the client file in your broker system.

Built around what ICOBS expects

  • Records the client's demands and needs before the recommendation, as ICOBS 5.2 requires.
  • Explains why the recommended policy is suitable in plain English.
  • Highlights significant conditions and exclusions.
  • Gives a consistent, auditable statement across your whole team.

Produce your next demands and needs statement free during your trial.

£60 per user per month after a 14-day free trial with £10 of free credit. No card to start.

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