Get an insurance quote!
Commercial Claim
A "commercial claim" is an obligation incurred during the course of conducting a business which arises from goods sold or leased, services rendered, or monies loaned for use in the conduct of a business or profession.
Get an insurance quote!
Industrial Claim
Making an industrial accident claim can be a complex process, yet our years of experience ensure that it’s as simple and stress free as possible for our clients.
For starters, we're able to give you an instant decision on your claim and how much you may be able to receive in compensation.
we're able to complete compensation claims much faster than the majority of our competition.
We take the pressure off by handling the legal complexities of the claim, and provide you with the legal advice you need to make an informed decision. You can track the progress of your claim using our easy to use online claims management software while we keep you personally up to date by letter, on the phone, email and by SMS.
Get an insurance quote!
Motor Claim
A 'liability only' insurance policy is the minimum cover that a car owner needs to have throughout the ownership of the vehicle. It covers death or bodily injury to a third person or damage to the property of a third person caused by the insured vehicle. This policy does not cover damage to the insured person's own car. The maximum amount that the insurance company is bound to pay for damage to a third party's property will be limited by the cover taken. In case of personal injury or death, there is no such limit and the insurance company may be bound to pay a compensation that may include medical expenses, loss of income and loss of capacity to earn.
Get an insurance quote!
Health Claim
A health claim statement has to have a food substance, food, or dietary ingredient, and a health condition or disease. The Food and Drug Administration (FDA) has approved certain health claims that, based on scientific evidence, show a link between a food or supplement and a health condition or disease. Health claims cannot state that a food product or supplement can treat or cure a disease. It may claim to minimize a disease risk; for example, a product advertised as low sodium can state the approved claim that “diets low in sodium may reduce the risk of high blood pressure, a disease associated with many factors."
Health claims shouldn't be confused with structure/function claims. These claims do not have to be approved and reviewed by the FDA, yet they must be truthful in stating that a substance maintains structures and/or functions of the body. We see these claims on many fiber-rich products, like “fiber maintains bowel regularity,” or a dairy product stating that “calcium builds strong bones.” Unlike health claims, structure/function claims cannot be linked to a health-related condition or disease. Also, an important point to keep in mind: if a dietary supplement label makes a structure/function claim, it must also state this disclaimer: “This statement has not been evaluated by the FDA. This product is not intended to diagnose, treat, cure, or prevent any disease.
Get an insurance quote!
Transit Claim
What to do in the event of a possible transit claim.
Note: you should always inspect cargo on arrival.
- Immediately advise your Insurance Broker or our Marine Claims Centre.
- We also recommend that you go back and familiarise yourself with the terms of your insurance policy, particularly the claims provisions.
- Immediately lodge a written claim against the carrier for any loss or damage.
1. If your cargo arrives in a container, the external surfaces should be immediately inspected for damage, and also the roof door seals and rust spots should be inspected for water leaks. If damage is apparent, note the extent and type of damage on the delivery documentation. Similarly, in the case of livestock, livestock should be inspected on arrival and if any death or injury is apparent, the extent and type of damage should be noted on the delivery documentation.
2. As soon as you are aware of a potential loss / claim, you must, within three days,lodge a claim against the carrier in writing. The attached word file should be copied onto your letterhead, details should be completed and forwarded immediately. If you are unable to fully quantify the extent of damage, you should still write to the carrier within three days and advise the carrier that further details will be forwarded once the claim is quantified.
3. In all cases:
- You should take all reasonable steps to minimise any further loss or damage (or, in the case of livestock, any further death or injury). You must act to safeguard the property insured.
- You should tell us as soon as possible of all details known to you including the time and location of the loss, and any circumstances that will assist us in investigating that loss. You should gather evidence and documentation to support your claim and provide it to us as soon as possible.
- You should not dispose of any damaged goods or livestock without first giving us the opportunity to inspect it.
Get an insurance quote!
Flood Claim
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
- Commercial
- Industrial
- Motor
- Health
- Transit
- Flood