We have a combined insurance policy with QBE covering public liability and contents and business interruption on our business. in July 2016 we had a fire and the whole business was burnt down. After 4 months we relocated and started purchasing new equipment to get the business back to normality. At all times their loss adjuster was slow to react and issue any payments. Fortunately we had a good balance and funded most of it ourselves as we waited for the claim to be dealt with. 15 months on despite issuing all of the required paperwork receipts etc we are still to get any business interruption payments under the policy equating to over 80K. As I said we we had a good balance sheet but as a word of caution to anyone looking for business insurance i would recommend you steer clear of QBE if you want to maintain your business level whilst you tackle the trauma of a business loss.