Insurance Lawyers Perth

Types Of Insurance Claims

The following are some of the insurance claims that are usually filed by organisations or small businesses:

• Theft / Burglary: One of the most common insurance claims filed. The name is self-explanatory. Insurance claim lawyers will help you file this claim when there has been a break-in or a theft. You can be compensated with a commercial property insurance policy.
• Fire: Almost all restaurants have insurance against fire. Filing a commercial property insurance claim helps with compensation.
• Auto Accidents: auto accidents refer to accidents of vehicles. It can also be claimed in case of property damage or injury. Commercial vehicles or transportation companies usually file this insurance claim. A commercial auto insurance policy will help you recover your financial losses.
• Injury to Customers or Property Damage: Property damage is one of the most popular claims that lead to the hiring of an insurance claim lawyer. General liability insurance helps cover legal, repair and medical expenses.
• Reputational Slander: hacking or whistleblowers can do serious damage to the brand name of an organisation. The reputational damage can be recovered or protected with general liability and professional liability insurance policies. Media houses usually insure themselves against potential reputational risks.
• Product Liability: when faulty products are a given to customers of any business. General liability insurance and product liability insurance policies may not potentially reduce the risks, but it can help cover costs to a certain extent.
• Damage by Water or Frost: water or frost, like fire, is a common insurance claim. Small businesses in flood-prone areas rely on this insurance claim to recover from structural damage.
• Damage by Wind or Hailstones: in common in areas that suffer from violent storms, the commercial property insurance will help the organisation recover from any damage caused by wind or hailstones.
• Slips or falls by customers and clients: Insurance claim that saves organisations from paying additional expenses for a customer fall. Medical or legal insurance will come in handy when customers hold you or your organisation liable for slips or falls.
• Struck by Objects: workplace accidents are unpredictable. However, this insurance claim can help you recover some loss. It can also help in case of workplace death, wherein the employee’s family would get some form of compensation.