Insurance claims procedures

Prior to lodging your claim with us there are a number of steps you can take to minimise the impact on your business and ensure the safety of you and your property. The following tips may be of some assistance to you in the event of loss or damage to your property:

• Where necessary, ensure the evacuation of staff and neighbours
• If the damage is serious contact the SES or fire brigade and call 000 if anyone is injured.
• Contact the police to report a burglary, attempted break & enter or malicious damage.
• Take all reasonable precautions to prevent further loss or injury. If the premises are not secure have a glazier board up any broken windows or a security company arrange a watchman. It is a requirement of your insurance that you minimise your loss wherever possible and your insurance will cover the cost of emergency repairs and providing temporary security arrangements.
• Remove property that is exposed to loss or damage to a more secure area.
• Do not admit liability to any third parties. Your insurer is entitled to deny a claim or pay a reduced amount if your actions prejudice their ability to defend you or reinstate your loss.
• For small property damage losses your insurer will generally require at least one quote for repair or replacement.
• For larger claims an assessor may be required to inspect the loss. In the event of a large loss please contact our office as soon as possible so that we can co-ordinate this on your behalf.
• Take photographs, retain all receipts and provide as much supporting evidence of your loss as possible.  The more supporting evidence that can be provided the quicker your claim will be processed.
• Report the incident to CHIRPS Insurance soon as possible during business hours.  If you wish to notify us of your claim outside of business hours please email us or complete the online claim form below.

• • Property claim form
  • Motor Vehicle claim form

Workers compensation insurance claims

Workplace injuries must be reported to your insurer within 48 hours.  Contact details for the ACT Workers Compensation Insurers are below:

Step 1. The injured worker must give notice to their employer as soon as possible. Details of the injury are entered in the Register of Injuries.

Step 2. The employer must give notice to their insurer within 48 hours of receiving notification.

Step 3. If the injury results in the worker becoming incapacitated for work for 7 days, the insurer must make contact with the injured worker, employer and (if appropriate and practical) the workers nominated treating doctor, within 3 business days.

Step 4. The injured worker obtains a claim form from their employer and an approved medical certificate from their nominated treating doctor. The worker completes the claim form, attaches the certificate and gives it to their employer.

Step 5. The employer must send the claim form to their insurer within 7 days of receiving the claim from the injured worker.

Step 6. The insurer accepts or rejects the claim within 28 days.

Step 7. If the worker’s injury is a significant injury, the employer and worker must take part in the establishment of a Personal Injury Plan by the insurer and comply with reasonable obligations under this plan. The Personal Injury Plan can be developed with the assistance of an Approved Workplace Rehabilitation Provider.

Step 8. The employer must provide suitable duties for the injured worker if requested, within six months of the date of injury.