Claim Stories

An architect was contracted to design a dual occupancy building, the initial drafts were approved, and construction began. However, upon completion of the build, it was discovered that the dwelling did not meet the required open space standards, and could not be granted an occupation certificate. The sole solution to rectify this issue was to modify the existing driveways. The compensation request amounted to a total of $35,650.00 to bring the dwelling into compliance.

The resolution

The claim was approved under the Architect’s Professional Indemnity cover, and the Insurer made a payment of $29,585.00 for the amendments.

While applying a treatment to a client, a hairdresser noticed immediate breakage in the client’s hair. They promptly washed off the treatment and applied additional treatments to mitigate further damage. The client experienced significant hair breakage, making it impossible to run their hands through their hair without it breaking and falling out. As a result, they filed a claim against our insured for hair damage and associated mental distress.

The resolution

The insurer paid out $10,000 for the damage under the Hairdressers Professional Indemnity cover.

A concreter put up a security fence to secure the work site area. However, they did not properly secure the fencing by using zip ties to fasten the sections together. Unfortunately, high winds blew the fence over, resulting in damage to a third party’s vehicle. The third party requested a monetary compensation of $6,045 for the repairs to their vehicle.

The resolution

The insurer assessed the supporting documentation such as invoice, photos of the damage and photos of the worksite and paid out the claim under the Concreter’s Public Liability cover.

After a full-face waxing appointment, a customer noticed significant redness on their entire face. Over the next few days, it became apparent that the waxing had caused burns to their skin. As a result, the claimant required a treatment plan to heal the burns and prevent further damage or scarring. The claimant subsequently made a demand against the insured for damages, totalling $7,786.02.

The resolution

The insurer reviewed the Public Liability claim and paid the full amount for the damages.

A Real Estate Agent’s email was hacked by a 3rd party who changed payment information. This resulted in their client transferring $5,000 to the hacker. The Real Estate Agent reported the matter to AMS (IT Vendor) and the Australian Cyber Security Centre.

The resolution

The insurer engaged a Forensic IT specialist to aid the insured in minimizing additional losses and evaluating the situation. It became evident that the insured had fallen victim to Social Engineering fraud, and indemnity was accessible under the Social Engineering Fraud section of their policy.

The insurer paid out $11,756.00 for forensic investigation expenses. However, no payment was issued to the insured, as the loss matched their deductible amount of their Cyber Liability policy, which they were obligated to cover for their insurer’s response to the situation.

Lightning strikes and a leaking roof during a storm resulted in damage to a Hairdresser’s contents.

The resolution

A loss adjuster assessed the extent of the damage, and a meteorological report was conducted. It was determined that the loss was indeed linked to the severe weather conditions.

The insurer paid out $41,000 for replacement of the contents.

A café owner was informed a staff members who has been on site was diagnosed with Typhoid. All the Staff, including the business owner were ordered to cease trading and complete testing prior to being able to continue trading. Due to the incident, the insured had suffered a downturn in sales.

The resolution

The insurer determined a Business Interruption Loss.

Total payment made to the insured $3,738.00

A thief broke into a laundromat premises overnight to steal the money in the coin machine that is located at the premises and not removed for safe keeping, during the break-in, the thieves caused damage to the coin machine resulting in it having to be replaced.

The resolution

The repairer deemed the machine to not be repairable and needed to be replaced. The business owner held a Contents policy and the insurer paid out $4,300 for the replacement of the coin machine. The business owner did not hold a Theft or Money coverage, so the value of the stolen coins was not covered.

A gardener was cutting down a decayed tree, a limb prematurely separated, resulting in the chainsaw they were using being crushed.

The resolution

The insurer assessed the Portable Equipment claim and paid a total of $1,049.09 to the insured to replace the chainsaw.

A Landscaper was enjoying a day off playing a soccer game and whilst running, but then injured their right knee and ruptured their ACL.

The resolution

The insurer accepted the Personal Accident and Sickness claim under their policy for their ACL rupture, benefits were paid for 18.5 weeks.

A unknown member of the Public maliciously kicked the front glass door of a Real Estate Agent causing it to completely break. The insured reported the incident to the police and contacted a glass repair company.

The resolution

The insurer granted indemnity under their Glass Cover, as part of a Business Pack Policy, and paid $645 for the replacement of the glass.