Making a claim shouldn't be stressful. Our dedicated claims team guides you through every step, advocating on your behalf to get you back to business.
Our streamlined process makes it easy to submit a claim. Here's what to expect
Get in touch with our claims team as soon as possible after the incident. We're here to guide you through the process.
Take photos, gather witness details, and preserve any evidence. The more documentation you have, the smoother the process.
We'll help you fill out the claim form accurately and thoroughly. Our team knows what insurers look for.
Gather invoices, receipts, police reports (if applicable), and any other documentation to support your claim.
Your insurer will assess the claim. For larger claims, a loss adjuster may be appointed to evaluate the damage.
Once approved, we'll advocate for timely payment. Most claims are settled within agreed timeframes.
Need help? Our claims team is ready to assist you
Contact Claims TeamHaving the right documentation ready helps us process your claim faster. Here's our checklist:
Take photos of your property and assets now - before any incident occurs. This documentation can speed up claims significantly.
Keep digital copies in a secure cloud storage location that's separate from your business premises.
We're proud to have helped thousands of NZ businesses recover from unexpected events
Real experiences from businesses we've helped through the claims process
"When our warehouse was damaged in a storm, BizSure's claims team was incredible. They guided us through every step and we had our settlement within weeks."
Rachel Adams
Operations Manager, Auckland Logistics Co
"After a vehicle accident, I didn't know where to start. BizSure handled everything - I just provided the details and they took care of the rest."
David Chen
Owner, Chen Transport
"Making a claim was stress-free thanks to their team. Professional, responsive, and truly cared about getting us back on track."
Lisa-Marie Williams
Director, Wellington Events Ltd
Answers to common questions about the claims process
You should notify your insurer as soon as possible after an incident. While policies vary, it's best to report within 30 days. Some policies have specific time limits, so contact us promptly to avoid any issues with your claim.
If a claim is denied, we'll review the reasons with you and discuss options. This may include providing additional documentation, appealing the decision, or negotiating with the insurer. Our advocacy service is here to ensure fair treatment.
This depends on the type and frequency of claims. Not all claims result in premium increases - particularly those not at fault. We'll discuss any potential impact on your policy when making a claim.
Most policies allow you to choose your own contractor. We'll help you find reputable suppliers and ensure repairs meet insurer requirements. For cash settlements, you may have more flexibility.
An excess is the amount you contribute towards a claim. It's usually paid when you make a claim and varies by policy type. We'll confirm any excess applicable to your claim before proceeding.
For natural disaster claims (earthquakes, floods, storms), there's often a special claims process. Contact us immediately - we'll help you navigate the process and connect with relevant support services. EQC may cover some natural disaster damage.
Have more questions about making a claim?
View All Claims FAQsOur dedicated claims team is here to help you navigate the claims process. Contact us through any of these channels:
Don't wait - the sooner you start, the faster we can help you get back to business.