Should an unfortunate/unforseen event occur and you find yourself needing to make a claim on your insurance policy, we are here to assist you from lodgement to settlement.  The purpose of insurance is to put you back into the same position had the loss not occurred.

Professional indemnity insurance is designed to protect companies and individuals against claims or allegations that they have breached their professional duties. In many cases legislation or entitlement to certain professional memberships makes such insurance mandatory.

You should notify us as soon as practical whenever a complaint of breach of professional duty is made against you whether:

  • The complaint is made by a client or non-client;
  • The complaint is made in writing or verbally; or
  • You believe the complaint to be justified or not.

You should also notify us whenever in the course of your practice, you become aware of any act or omission by you, your employees or your sub-consultants that might give rise to a claim against you – even if no complaint has yet been articulated against your practice.

If you are unsure as to whether a particular set of circumstances requires notification please contact the Claims Department for guidance.

Claims and Notifications must be reported in writing by completing a Notification Form, which can be obtained from the Claims Department. You must also attach any supporting documents to the Notification Form.

Early notification enables us to determine what, if any, steps can or ought to be taken immediately to protect the interests of both you and the insurer.

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Commercial insurance refers to Business/Office, Commercial Motor, Corporate Travel, Marine Cargo/Transit, Construction and Contract Works policies.

Should you become aware of any incident that will or may lead to a claim against a commercial insurance policy, please contact your broker immediately.  Your broker will advise of the next steps to take, which generally involve completion of a claim form.  For larger and more complex claims, a loss adjuster may be appointed by the insurer to assist both parties in reaching settlement.

If a crime has been committed you must also notify the police immediately.

 

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Life insurance refers to Life, Total Permanent Disablement, Trauma, Income protection, Keyman, Buy/Sell, Guarantor Protection and Business Expenses policies.

Should you become aware of any incident that will or may lead to a claim against a commercial insurance policy, please contact your broker immediately.

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Personal Insurance refers to Home and Contents, Landlords, Private Motor, Personal Accident and Pleasure craft policies.

Should you become aware of any incident that will or may lead to a claim against a personal insurance policy, please contact your broker immediately.  Your broker will advise of the next steps to take, which generally involve completion of a claim form.  For larger and more complex claims, a loss adjuster may be appointed by the insurer to

If a crime has been committed you must also notify the police immediately.

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