One of our landscaping clients faced a costly setback when the incorrect fuel was accidentally added to their work vehicle, causing significant damage.
With the vehicle off the road, their ability to operate and generate income was immediately affected.
At first, the insurer approved the claim. However, they later advised that they had misread the policy and that the claim, including both repairs and downtime would not be covered.
Four weeks after the claim was lodged, and with no new information provided, the insurer reversed their decision due to their own error.
This sudden change left our client feeling confused and under pressure. The business had already been disrupted and the claim outcome had shifted.
Our role as your insurance claim support
This is where our team stepped in to provide them with insurance claim support.
Our insurance claim support team reviewed the situation and challenged the insurer’s decision. We highlighted a few key points:
- The client had been open and honest from the start
- The insurer had already indicated the claim would be covered
- The delay in changing the decision put the client at a disadvantage
The insurer finally agreed to cover the repair. However, they still declined the downtime insurance claim.
We didn’t stop there. Given that downtime cover had been clearly discussed earlier with the insurer, we continued to push the matter further.
We escalated the case to a Dispute Resolution Officer. We also continued negotiations over several months to seek a fair outcome.
The outcome
After persistent follow-up and strong advocacy from our insurance claim support team, the insurer agreed to cover both the repair and the downtime claim.
This result made a real difference to our client. It helped them recover financially and get their business moving again.
Key takeaways:
Business insurance claims do not always go smoothly. Decisions can change, and the process can feel overwhelming.
This is where having a broker can make a real difference.
Without insurance claim support, many business owners do not have the time or energy to challenge claim decisions or navigate disputes. Some may even accept an outcome that is not fair.
When you work with a broker, we handle the business insurance claim process for you. We advocate on your behalf as your insurance claim support and deal with the insurer directly.
You can focus on your business, knowing you have someone in your corner when it matters most. Learn more about our claim services. here.
Claims contact information
1800 809 132 (choose option 1 for claims)
cl****@**********om.au