Claims FAQ

Examples of a claim include:

• An insured building is destroyed by a fire or suffers damage due to a storm
• Increased costs such as the rent for temporary premises as a result of building damage e.g. a school fire
• A third party alleges they slipped and fell sustaining injuries due to the poor condition of the floor of the insured property
• A third party alleges they have suffered an injury as a result of negligent medical treatment by hospital staff
• An employee of an insured Agency claims they have been discriminated against by a work colleague during the course of their employment and has suffered an injury/loss as a consequence
• A claim by a former employee alleging unfair dismissal
• Theft of money or property by an employee
• Losses associated with a cyber incident, for example, third party compensation, legal costs, asset replacement, investigation costs

There are many different types of claims so if you are unsure whether the QGIF policy would respond to the claim being made, please contact us on 07 3035 6367 and we will guide you through the claims process.

Any incident resulting in injury or financial loss where there is a formal demand for compensation from a third party should be reported to QGIF as soon as practically possible.

For property damage claims, QGIF requires notification as soon as practically possible for any claim above your Agency’s deductible/excess (as shown on your Agency’s Insurance Certificate).  Generally, the deductible will be $10,000 or less.

Call us on 07 3035 6367, send us an email or complete and submit the online claim form, ensuring you provide as much information as possible. We will then advise you on the next steps in the process.

Early notification of an incident which has resulted in injury, financial loss or significant property damage which could lead to a claim allows us to:

• identify any relevant issues from the outset so we can better protect your Agency’s interests and work with you to minimise any further loss
• ensure appropriate resources are allocated to assessing and resolving claims as quickly as possible, especially when a high volume of claims are expected (for example, following a major natural disaster)
• start gathering the necessary information and supporting documentation so as to minimise delays in assessing and finalising the claim
• meet any legal obligations, statutory time limits and procedural requirements. This is especially important in relation to personal injury claims made by third parties. For example, the Personal Injuries Proceedings Act 2002 (Qld) imposes certain time limits for the conduct of personal injury claims
• meet our reporting obligations under the State’s reinsurance program.

In all circumstances, this notice should be immediately forwarded to QGIF for actioning. QGIF will address any issues with respect to correct service and will liaise with Crown Law where required.

Yes.  Once the claim has been accepted by QGIF, we will pay all reasonable legal costs and expenses (other than in-house legal costs and expenses) incurred in the settlement or defence of claims for legal services provided under Tied Work or WoG Legal Services arrangements.  The engagement and costs must be authorised by QGIF, including any appointment of Counsel.