A commercial customer applying for office insurance has been burgled a number of times recently. In accordance with the duty of fair presentation, when must this be disclosed to the insurer?

The duty of fair presentation requires a commercial customer to disclose all material facts that could influence the insurer's decision-making process when underwriting the policy. This duty applies at the proposal stage, meaning that the customer must provide full and honest information about their situation, including previous burglaries, to ensure that the insurer has an accurate understanding of the risks involved.

Disclosing such information during the proposal stage enables the insurer to assess the risk appropriately and price the insurance coverage accordingly. Failing to disclose known risks could lead to issues in claims processing or even policy cancellation in the future. The other options suggest disclosure at later stages or only in response to specific inquiries, which do not align with the proactive requirement of fair presentation that mandates clear and comprehensive disclosure upfront.