What to know about business insurance claims
However, terms and conditions vary between insurers and policies. So if you need advice on what you're covered for, or if you need help with a claim, Maurice Blackburn's expert insurance team can help you.
Why Maurice Blackburn?
Our business insurance claims lawyers are experts, and we understand the importance of having someone in your corner when you're taking on a well-resourced insurance company.
We offer 'no win, no fee'* arrangements for these types of cases, which means that you don’t have to pay for our legal services if we don't win. We have insurance claims lawyers in Melbourne, Sydney, Brisbane, Perth, Adelaide, Darwin and throughout Australia. Contact us today to find out how we can help.
Frequently Asked Questions
Yes, usually. However, some policies won't cover smoke damage, or damage not caused by flames, or will only cover smoke damage within a limited distance from the fire.
Only if you have replacement cover. Some business policies have fixed price cover which might not be enough, especially if the business is undervalued in the policy compared to market value.
The insurer must notify you in writing when the next premium is due. The policy will lapse if you don't pay the next premium. The insurance company must notify you that the policy has lapsed.
When you take out or renew your insurance policy, you have to tell the insurer anything that might be relevant to whether they will cover your business. You also have to truthfully answer questions they ask. If you don't, the insurer might try not to pay you—but often with our help you can get them to pay you.
As soon as possible, but you might be able to claim even after a long time.