Making a public liability insurance claim

Outstanding support at claim time

We know that liability claims can be complex and long-lasting. When a business is covered by QBE, it’s backed by a strong organisation and locally-based claims team who will focus on achieving the best outcome for them, with regular updates to minimise uncertainty.

Information we need from you and your customers

To ensure your claim runs as smoothly as possible, be sure to have the right information in the claim lodgement. We have put together the following information as a guide, which should assist in expediting the claim. QBE may request further information upon lodgement of the claim.

Property damage

Property claims within liability policies refer to the physical loss, destruction or damage to tangible property caused by the insured business. For example, the insured business installs solar panels and they step through the plaster ceiling by accident or forget to replace a roof tile. Alternatively, it could be where a customer’s property has been damaged at the insured’s place of business –for example, a mechanic has a car for repair and drops an item on it, causing damage.

Required information:

• A Liability Claim form with all applicable sections completed.
• If the form is unable to be provided, we require the following to assess the claim:
  • Date of incident
  • Street address and State/Territory of incident
  • Insured’s ABN and Input Tax Credit entitlement percentage
  • Insured’s detailed description of the incident
  • Full name/business name and contact information of the third party
  • Insured’s comments regarding the allegations made against them
  • Images of the damage
  • Repair quotes or invoices. Please ensure that these quotes or invoices include a breakdown of labour and materials
  • Any letters of demand or email correspondence received from the third party
  • Any other documents that may be relevant in the circumstances, for example: Dial Before You Dig plans, internal investigation reports or contracts between the parties

Personal injury

Personal injury claims within liability policies are relevant when the insured has had someone claim they were injured because of the Insured’s negligence and in connection with the Insured’s business. The following information will help identify what happened and determine the liability decision:

• A Liability Claim form with all applicable sections completed.
• If the form is unable to be provided, we require the following to assess the claim:
  • Date of incident
  • Street address and State/Territory of incident
  • Insured’s detailed description of the incident (if able to be provided)
  • Name and contact information of the third party or their representative
  • Insured’s comments regarding the allegations made against them
  • Any legal documentation or correspondence received from the injured party
  • Any incident reports that were made regarding the incident
  • Any CCTV footage of the incident, or photographs of the incident location

More information and support

All claims from brokers on behalf of their customers can be submitted to the appropriate state email address below:

• VIC: [email protected]
• NSW: [email protected]
• TAS: [email protected]
• QLD: [email protected]
• SA: [email protected]
• WA: [email protected]

If you have any questions speak to your claim contact or relationship manager.