Most direct insurers usually offer Listed Events only as standard. While it’s cheaper, it can also leave you exposed when something unexpected goes wrong. With a Listed Events policy, your insurance will only respond to specific events, and if the damage doesn’t fall under one of these predefined events, it may not be covered. Accidental Damage provides broader protection. It includes everything covered under Listed Events, plus unexpected, unintended, and unforeseen damage.

If something unexpected happens — like a storm, theft, or accidental damage to your home — submitting a home and contents insurance claim may feel overwhelming. But that’s exactly what your insurance is there for. Start by telling us: a brief summary of what happened, provide photos or videos of the damage, list damaged or lost items, provide repair or replacement quotes (if available), and provide police report details if relevant.

If someone is injured or their property is damaged due to your business activities, you may be faced with a public liability incident. Here's what to do: ensure safety first, record the incident details, take photos, do not admit fault or liability, and contact your broker as soon as possible.

If you’ve been involved in a motor accident and believe you’re not at fault, it’s important to take the right steps straight away. This helps protect you legally, support your insurance claim, and recover your costs sooner. Make sure everyone is safe, collect important details at the scene, report the incident to police, and contact your broker as soon as possible.

Workplace injuries can happen in any business — and when they do, it's critical to act quickly and correctly to look after your workers and meet your legal obligations. Firstly, make sure the worker gets medical attention. Secondly, complete a claim form, obtain a First Medical Certificate and sign a Broker Consent form. The employer must provide the broker with an injury report and the broker will lodge the claim with the workers' compensation insurer.

When making an insurance claim you may be given two options: taking a cash settlement or letting the insurer handle the repairs. Both come with benefits and pitfalls that affect your finances, timelines and protection. Talk to your insurance broker to help understand the repair scope and payout estimate, flag any conditions that may affect your choice and help advocate for you if any issues arise during the process.