Claims
Being there for our clients at the time of a claim is probably the most vital role our advisors at BFrank Insurance can play. At times the claims process can be long and complex. Still, at BFrank Insurance, we work closely with our clients and insurer partners across Australia to make this process as simple and efficient as possible for you – ensuring you are back in business or on the road sooner!
Our Claims Management Philosophy
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Arrange access to risk management services to assist in the prevention or mitigation of future loss
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Assist our clients in understanding overly complex policy interpretations
In the event of the claim, we will:
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Assist our clients in lodging claims and maintain communication every step of the way
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Advocate and negotiate with an insurer on behalf of our clients to ensure they receive their full entitlements
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Arrange for a loss assessor to be appointed where required
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Arrange expert consultants, including legal and accounting services where needed
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Provide 24-hour emergency claims assistance where required
Claims Procedures
Steps to Make a Claim
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Regardless of whether the claim has been reported or a loss assessor appointed, you must immediately do whatever is necessary to prevent further loss of life or property damage. For example:
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Call the fire brigade, ambulance, police or other appropriate emergency services
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If during business hours, ensure the evacuation, if necessary, of staff and neighbours
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If critical machinery fails, commence investigations to locate replacement plant or services
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Have a security company install boarding over smashed windows and, if appropriate, employ an overnight security watchman
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Remove property that is exposed to further loss or damage to a more secure place if possible
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Providing no danger to life or limb is involved, ensure the safe removal and storage of vital business records
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Take photos of the incident
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Get witnesses' details
2. Report the incident to BFrank Insurance Brokers by telephone or email, wherever practicable, within 24 hours of the incident.
3. Complete all claims documentation as soon as practicable and forward to BFrank Insurance Brokers with any supporting documents. Click Here for Claim Forms.
4. Whatever the circumstances of the incident, do not admit liability even if you think you are at fault.
Notes about Making a Claim:
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Your Insurer is entitled to deny a claim or pay a reduced amount if statements made by you or your employees prejudice the insurer's position.
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It is impossible to give guidelines for procedures to follow in every claim, simply because of the nature of accidents as they cannot be predicted and do not follow set patterns. However, the above general procedures can be relied upon to cover most circumstances.
Help When You Need It
BFrank Insure understands that incidents can arise at any time, even the most inconvenient ones. If you've had an emergency, please contact one of our partners below for immediate assistance anywhere in Australia. Once the situation is under control, the dedicated advisors at BFrank are here to help you navigate the claims process.
Our Emergency Contacts
INSURANCE ADVISERNET 24/7 EMERGENCY CLAIMS RESPONSE
Insurance Advisernet provides 24/7 emergency building services to ensure your property is safe and protected after an accident. The 24/7 service provides you with make-safe, restoration, blazing/shuttering and flooring services.