They deserve zero stars. After 14 years of being with them. They are now One of the worst insurance companies to deal with when you have claims like Business interruption (BI), Content and Stock losses They put several obstacles against you by hiring incompetent Sedgwick Loss Adjusters and Hatchet job companies like Toppings Partnership to frustrate, delay and decline your claims. My claim is almost 3 years now and no solution in site, rather requesting endless documents and pushing me to break laws of Data protection and Patients’ confidentiality to do so. If you are originally non British with foreign surnames, and ethnic minority members, forget it. They turn into forensic practitioners that they know nothing about. All formal complaints made against the ignorant and incompetent professionals are all ignored but they defend the indefensible of their obvious malpractice and professional negligence. Sadly, a claim since 2021 has never been sorted out and a claim due to Barbette storm damages last year has not been addressed but is on hold telling me to manage the losses myself. I run a healthcare business and all my Patients are suffering the consequences of their negligence and incompetency. Please don’t touch them with poles, they are bad news!!!