Insurance Claims

Whether your professional integrity has been questioned, you experience an office break-in or you uncover the misappropriation of funds within your business, your Planned Cover Account Manager is here to guide you. They will be your first point of contact when making a claim under any insurance policy you hold with us, responsible for managing/assisting with the claims process on your behalf.

Depending upon the insurance product purchased, your claim will be managed by either your Account Manager or a legally trained and experienced Focus Underwriting claims manager.

Making a claim - how we can help

Professional Indemnity

You should notify your Account Manager as soon as practical whenever a complaint of breach of professional duty is made against you. You should also notify us whenever 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.

Claims and notifications must be reported in writing by completing a Notification Form. Contact your Account Manager who will arrange for a Notification Form to be sent to you.

Cyber

All Cyber insurance claims should be immediately reported to your insurance providers Incident Emergency Response Team to manage incidents as soon as your become aware of the issue.

Contact details of your insurance provider’s cyber incident emergency response team can be found on your policy schedule and on the insurance provider’s website.

incident response teams can be contacted 24 hours a day, 7 days a week all year round via:

Telephone
Email
Website
Claims App

Most Cyber event response costs include:

IT forensics
Virus extraction
Customer notification costs
Public relations costs
Legal costs

Corporate Travel

Contact details of your insurance provider’s emergency response assistance team can be found on your policy schedule, emergency assist card and on the insurance provider’s website.

Emergency response teams can be contacted 24 hours a day, 7 days a week all year round via:-

Telephone
Email
Website
Claims App

If your claim is not urgent you can wait until returning home to lodge the claim if you prefer.

General

Depending upon the incident that has occurred, you may need to:

Report the incident – call the police and/or emergency services if a serious accident/crime has taken place
Do not enter the business premises and risk compromising the site
Make contact with your Planned Cover representative as soon as reasonably possible
Gather evidence (such as taking photographs of the damage)
Submit your insurance claim as soon as possible to ensure details of the claimable event stay clear and ensure any time limits are not breached
Stay calm

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Things you should take note of:

It is important to note as much information as possible after the event or loss to pass onto your Planned Cover representative.

Dependent upon the type of insurance, it is advisable to note the following:

The time and date of the event
The specific location
A description of what happened
Details of anything you have done to minimise the loss
An estimate of the loss
Eyewitness accounts and contact detail of any eyewitnesses
Photos – of anything you think may be relevant, particularly any damage
Do not dispose of any damage property or arrange any repairs other than emergency / site securing repairs until your insurance provider has given instructions.

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Read your Product Disclosure Statement (PDS)

It is a good idea to locate your insurance PDS which will detail how to go about making a claim on your insurance policy. It will also note what is covered and what is excluded in a particular policy.

Reminders

Pay your premium otherwise, your claim will not be paid
Review your policy each year to ensure you are adequately insured
Inform your Planned Cover representative should any of your business details change during the policy period of insurance
Take photos of your assets
Keep copies of receipts and invoices

The purpose of insurance is to put you back into the same position had the loss not occurred.