Claim Checklist


Motor Claims: Own Damage

Motor Claims: Third Party Property Damage

Motor Claims: Third Party Bodily Injury/Death

Property Claims

Marine Claims

Product/Public Liability Claims

Employer’s Liability

NB: Liability policies can only respond when the Insured has breached their duty of care to a third party and as a result of that breach the third party suffered injury or loss. In addition, the claimant’s first point of contact should be the NIC, which provides an employment injury benefit of $20,000 for medical expenses. In the event that the claim exceeds the NIC threshold or the employer is named as a defendant in a civil suit then the EL policy can be called upon to respond to the claim.

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