Join us every quarter to protect your business.
We get it. Owning your own business is hard work, and you don’t always have time to step back and think about your insurance. That’s why QBE has made it as simple as possible to confidently protect what you care about both before and after claims.
You can find handy actions to do every Q1, Q2, Q3 and Q4 to keep your insurance up to date, reduce hazards and proactively prepare for incidents to minimise the impact on your business. You can also be assured when it comes to claims that you will know exactly what to do. Just check in with QBE every business quarter and ask yourself the Four Qs!
Q1. Am I covered?
Check that your insurance covers you for the year ahead, including any changes to premises or new equipment that may have been purchased in the previous year. This would be a great time to chat with your broker.
- Read your insurance policy and PDS
- Take note of the inclusions and exclusions in your policy
- Write down changes to premises and retain receipts for new purchases
- Check that the value of the sums insured is correct
- Chat about the policy with your broker and/or QBE on 133 723.
Q2. Am I secure?
Check whether your staff and business premises are safe and secure every day, including the appropriate health and safety signage and wellness programs.
- Identify any potential hazards to your business or premises
- Implement or refresh safety and maintenance protocols
- Chat with your team about healthy workplace cultures
- Make sure you have changed the fire alarm batteries
- Enquire with QBE about how to prepare for the claims process.
Q3. Am I ready?
Check that you are prepared for incidents such as bushfires, storms and floods, including understanding the claims process and business recovery.
- Review bushfire, storm and flood disaster safety plans
- Meet with your team about what to do in an emergency
- Create a business continuity strategy in case of an incident
- Know how to document damage and keep track of expenses
- Check that your insurance policy continues to cover what you need.
Q4. Am I organised?
Check that important documents, processes and data are secure and prepare for the next quarter with your broker.
- Make sure that your records are accurate and up-to-date
- File receipts, invoices and photographs of your assets
- Back up any important documents in multiple formats
- Review and refine protocols and processes from the previous year
- Chat with QBE about business resolutions and growth plans.
Claim with the Four Qs
Just remember:
Quick: Make sure your team is out of immediate danger and emergency services are called. The safety of your team is top priority.
Quality: When safe, capture quality and relevant evidence for your insurance claim. This includes accurate videos and photographs of the damage.
Query: Start the claims process by contacting your broker and/or QBE directly. Provide all relevant documents and information regarding the incident.
Qualify: Be ready to answer additional questions related to your claim. The more information you can provide upfront, the smoother the claim evaluation and or assessment process will be.
Check in this Q
The Four Qs is a program that runs every business quarter to keep you up to date with the latest insurance news, and how you can protect your business so that you feel confident every year. Check in with QBE this Q and chat to us about your business.
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This advice is general in nature and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. To decide if QBE's products are right for you, please ensure you obtain and consider the Policy Wording or Product Disclosure Statements and Target Market Determinations, available online at QBE.com/au. Insurance issued and underwritten by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545).