Claims Advocacy

Your Advocate When It Matters Most

Navigating claims with unbiased expertise, strength, and unwavering support.

When your business faces a loss, damage, or liability claim, the value of your insurance is put to the ultimate test. It can be a complex and stressful time, burdened by uncertainty and administration.

This is precisely where our partnership truly comes alive. You don't have to navigate it alone.

At iiB, our claims advocacy is a solemn promise. Unlike some modern-day brokers whose incentives may waver if they share in insurers' profits, our client fee-only model ensures we stand in your corner. We proactively manage the entire claims process on your behalf, leveraging our expertise to diligently pursue a fair outcome under the terms of your policy, which aims to reduce your administrative burden and support your financial recovery.

We have no financial relationship with any insurer. We do not share in insurer profits. We always and only advocate for you, our client.

Our Comprehensive Claims Advocacy Process

Immediate Guidance & Impact Mitigation: The initial steps are critical. We provide immediate advice on how to precisely mitigate further loss and accurately collect essential information, establishing the strongest possible position for optimal recovery from day one.

Claim Preparation & Lodgement: We meticulously prepare a comprehensive and professionally articulated claim, ensuring correct lodgement and inclusion of all necessary supporting documentation to maximise the strength and efficiency of your case.

Unbiased & Tenacious Negotiation: This is where our independence and expertise truly shines. We proactively manage all negotiations with the insurer and their appointed experts, rigorously challenging any unfavourable positions and advocating relentlessly on your behalf to secure the best outcome.

Proactive & Transparent Communication: You will never be left in the dark. We provide clear, regular, and proactive updates, and remain readily available to answer your questions, ensuring you maintain a complete understanding of your claim's progress and potential outcomes.

From Reactive to Proactive: Improving Your Risk Management

While we stand as your tenacious advocate after a loss, the most valuable part of our partnership begins long before a claim is ever made. We believe a proactive risk management strategy is the most powerful way to truly protect your business, significantly reduce your Total Cost of Risk (TCOR), and minimise operational disruption.

The best claim, after all, is the one that never has to be lodged. Our unbiased team collaborates closely with you to move beyond a reactive stance, building a stronger, more resilient, and ultimately more profitable operation. As we are not remunerated by any form of commission, our primary incentive is to ensure you have no claims and therefore minimise your cost to sell you risks.

How it Works:

Given our unwavering independence, our sole incentive is to reduce your incidents and claims, which in turn directly reduces the premiums you pay.

This creates a true win-win, benefiting both your organisation and insurers through a more efficient, less costly risk environment.

Unlike traditional brokers, whose revenue often correlates with higher premiums, iiB shares your precise objective: to break the cycle of claims driving up your costs. Our transparent fee-for-service model represents a modern, client-centric approach, breaking the cycle of claims driving up your insurance costs and increased premiums leading to increased comission.

Actionable Insights from Claims Data: We don't just process claims; we transform them into critical intelligence. By rigorously analysing your claims history and broader industry trends, we identify root causes, vulnerabilities, and emerging patterns. These data-driven insights allow us to recommend targeted, unbiased improvements to your risk controls that directly reduce future incidents and your Total Cost of Risk.

Strategic Risk Reviews & Optimisation: We partner closely with your team to conduct practical, in-depth reviews of your key operational risks. This can include assessing complex contractual liabilities, optimising workplace health and safety protocols, or strengthening your business continuity plans. Our objective is to identify and mitigate risks before they become costly incidents, protecting your assets and improving your bottom line.

Pre-Loss Planning & Claims Preparedness: Even when a claim is unavoidable, meticulous preparation is critical. We partner with you to develop a robust Claims Response Plan that clearly outlines immediate steps, designates key internal contacts, and specifies essential documentation requirements. This simple, but powerful framework not only streamlines the claims process but also ensures faster, more efficient resolutions, significantly minimising the financial impact of incidents and accelerating your recovery.

Future-Proofing Your Risk Profile: We keep our finger on the pulse of evolving legislation, new technologies, and emerging risks pertinent to your industry. We proactively provide you with critical intelligence and foresight, ensuring you have the knowledge and strategies needed to adapt, innovate, and maintain robust protection against the unforeseen.

Need to make a claim?
We're here to help.

Your business operations don't stop, and neither does our support.

When a claim situation arises, swift and decisive action is critical. We understand that urgent matters require immediate attention, regardless of the time or day.

For Urgent, After-hours Assistance (e.g., significant loss, major incident, or potential liability):

Call our priority response line: +61 438 117 018

For non-urgent matters or general inquiries, you can conveniently lodge your claim through our secure client portal, or contact your dedicated broker during business hours. We are always here to ensure your peace of mind and guide you through every step of the claims process.

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