Claims

Claims

You can have the best risk management in place and
incidents still happen so that's why you have insurance.

Claims Submissions Assistance

Our trained staff understand your business operations and are well positioned, to discuss what is required to submit a claim. We help you get it right the first time.

Claims Preparing Made Easy

We can supply clients with risk management documents (waivers / incident reporting) and training so you know how to use them so it reduces the chance of an incident. You will be clear on the steps to you meet your insurance obligations.

Reducing Claims Consultancy

Preventing a claim is much better than having to submit one. Ask us for a review of your risk management policies and procedures so you have peace of mind.

What Your Policy Covers

Your coverage will be made up of the policy wording provided and a schedule of limits. Some policies will also have endorsements included. Make sure you read your insurance documents and ask us to explain any point you are unsure of.

BOOK CLAIMS CONSULTATIONS

We can assist you in preparing a claim submission in Business Packs, Public Liability, Personal Injury and other covers.

WHAT IS SPARRING?

Some brokers may interpret sparring as hitting a bag / mitt and confidently saying their policy covers sparring. The facts are 'sparring' is when two or more people participate in a bout / fight under rules that may go from light contact to full power strikes to the body, head and legs on the mats, outdoors, in a ring or cage for example. Participation 'clauses' in martial arts training is when two or more people touch each other, whether lightly, firmly or with full power, this can be interpreted as 'sparring' which is not included in most covers. Warm up exercises and forms training without any partner drills is acceptable by more insurers. There is no need to compromise what you teach to fit into an insurance policy, when there are products that are fit for purpose.

  • Supporting Medical Expenses

    A little help goes a long way with personal injury cover

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  • Protecting Your Assets

    There's no need risk your livelihood

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    • EACH CLASS OF INSURANCE WILL HAVE A DIFFERENT CLAIM PROCESS
    Letting Your Broker Know Of An Incident ASAP Is The Standard Protocol For The Insured
    The information below is not any form of advise, it is what the insurer will expect an insured business to do, in the event of a claim.

    Business Pack 

    Claim Process - Storm Damage

    Put together a report of what has happened and assess the damage. Get quotes for repairs and provide purchase receipts for equipment that require repair or replacement. Take photos of the damage and don't dispose of any items you plan to claim, before the insurer has assessed them. Each provider will have a set of inclusions and limitations outline in your policy schedule. For business interruption you will need to provide financial reports to substantiate those losses.

    Public Liability

    Claim Process - Injured Member

    This type of claim could be a 'slip & trip' scenario or from a coach directing a member to  perform a certain move and getting injured.  The injured party has to prove negligence on the part of the operator and this process may take more than 12 months to reach an outcome. Preparing an incident report is essential along with any video footage and witness statements.

    Personal Injury 

    Claim Process - Injured Member

    This type of claim may have come about the same as the public liability, but the injured party doesn't have to prove negligence.  There will be a limit of benefits in the policy schedule. The same applies with preparing a report as the PL. It is important not to give the injured party an expectation of a result or hand over your insurance documents.

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