Brian and I have had a very good meeting with our insurance broker , the meeting lasted 3 hours and we went through all details of our insurance
One area were are light in was the reinstatement value of the building and arrangements have been made to deal with that
Some areas we were over insured in ,stock , cash handling , employers liability which is based on payroll, all of these have been reduced , so the broker is adjusting them and our costs accordingly
Alan Brown