Claims

If you believe you have a potential insurance claim please contact Business Insurance Specialists immediately.

Our contact details are:

Telephone: (07) 3139 3900

Email: claims@insurancespecialists.com.au

Fax: (07) 3102 9298

Claims procedures will be provided by Business Insurance Specialists on the same working day of being initially advised of the potential claim incident.

To assist the following instructions are also provided.

Potential Liability Matters

No admission of liability or any promise to pay is to be made by you to any other person/ party (known as the Third Party).

Upon the happening of any incident/accident likely to give rise to a claim, the following points must be noted:

1. All reasonable steps should be taken following an accident or loss to protect the person or property from any further injury.
2. Obtain all details you can:
   • of the incident;
   • of the Third Party;
   • of any witnesses.

and complete an incident report bearing in mind the following:

Be Specific - Remember, the report you write will be forwarded to your insurer for assessment and evaluation purposes and may be admitted as evidence in Court. Be specific and comprehensive in your detail.

Provide Full Details - Detail (no matter how trivial it may seem at the time), is the most essential component of your report. In most instances, if the claim ever reaches the courtroom stage, it may be many years down the track. Nobody will then remember the specifics unless you write them down at the time of the report.

If a written or verbal demand is made on you, or you think is likely to be made on you, please advise us immediately of the particulars.

Property Claims

Generally these claims will arise from losses involving such events as:

• Fire
• Storm
• Explosion
• Theft/Burglary
• Malicious Damage
• Breakage - Accidental Damage
• Impact by Vehicles

If something happens to cause loss of or damage to your property:

1. Take all reasonable steps to protect property from any further loss or damage.
2. Call the Police or other Emergency Services as required. Any loss by theft or wilful or malicious damage should immediately be reported to the nearest Police Station and Crime Report Number and details of the attending Police noted.
3. If you suspect that the loss or damage may exceed the excess, obtain all details you can:
   • of the incident;
   • of the amount of loss
   • of any witnesses.
4. Contact Business Insurance Specialists immediately for instruction on how to handle the claim.
5. Complete the Claim Form supplied and provide all requested claims documents as soon as possible after the occurrence whilst memory of the incident is still fresh in the minds of all concerned.
6. Co-operate with any adjuster appointed.