Answered by experts
Affordability
Claims
Customer Experience
General Insurance
Insights & Analysis
Insights topics
Insurance Broking
Life Insurance
Reinsurance
Risk
Technical Knowledge
0.25 CIP Points
Ask an Expert: Premium loadings in the Australian market
Q: Is it common in the Australian market to apply temporary or stepped premium loadings for medical conditions, rather than…
1 min read
0.25 CIP Points
Ask an Expert: Premium loadings in the Australian market
Q: Is it common in the Australian market to apply temporary or stepped premium loadings for medical conditions, rather than…
1 min read
0.1 CIP Points
Ask an Expert: How do fire investigations identify fraudulent claims, and what’s the impact on the policyholder?
Fire-related claims are subject to heightened scrutiny due to the potential for fraud. Fraudulent fire claims, where a fire is…
1 min read
0.1 CIP Points
Ask an Expert: How do Denial of Access benefits relate to flood exclusions and authority orders in Business Interruption insurance?
Q: In light of Cyclone Alfred's disruptions in Queensland and Northern NSW, how do "Additional Benefits" like Denial of Access…
2 min read
0.1 CIP Points
Ask an Expert: How can we differentiate between burnout and underperformance?
Q: As a manager working with strict performance metrics, how can I differentiate between an employee experiencing burnout and someone who…
2 min read
0.1 CIP Points
Ask an Expert: How is TPD insurance defined and assessed in Australia?
Total and permanent disability (TPD) insurance in Australia provides a critical safety net for millions of Australians and their families.…
2 min read
0.1 CIP Points
Ask an Expert: What does a Cyber Liability Insurance policy cover and what does it exclude?
Standalone cyber liability insurance usually has two key coverage components: first-party loss (costs incurred to respond to and recover from…
1 min read
0.1 CIP Points
Ask an Expert: How do OH&S improvements influence life insurance underwriting and risk classification?
Improvements in occupational health and safety (OH&S) certainly do help to support the accessibility of life insurance products to a…
1 min read
0.1 CIP Points
Ask an Expert: How does partnering with a TPA compare to managing claims in-house?
Using a Third-Party Administrator (TPA) offers significant advantages over managing claims in-house, especially in the increasingly complex landscape of general…
1 min read
0.1 CIP Points
Ask an Expert: How does AFCA use expert reports in the context of insurance claim disputes?
In my experience, one of the most common and difficult aspects of decision-making at AFCA is reviewing expert reports to…
1 min read
0.1 CIP Points
Ask an Expert: How should grey and black water remediation be assessed and applied?
Question: What are the core definitions and parameters for a complete strip-out of flood-affected areas due to grey and black water?…
1 min read
0.1 CIP Points
Ask an Expert: How can we verify the authenticity of receipts, diamond certificates or valuations?
Question: How can we verify the authenticity of a receipt, diamond certificate or valuation and ensure they haven't been edited or…
1 min read
0.1 CIP Points
Ask an Expert: What is an adjustment for ‘pro rata’ in aviation claims?
Most larger or more complex aircraft have components with mandated retirement or overhaul limits set by the Australian Civil Aviation…
1 min read
0.25 CIP Points
Ask an Expert: Premium loadings in the Australian market
Q: Is it common in the Australian market to apply temporary or stepped premium loadings for medical conditions, rather than…
1 min read
0.1 CIP Points
Ask an Expert: How do fire investigations identify fraudulent claims, and what’s the impact on the policyholder?
Fire-related claims are subject to heightened scrutiny due to the potential for fraud. Fraudulent fire claims, where a fire is…
1 min read
0.1 CIP Points
Ask an Expert: As an SME insurer, what should we prioritise for an investment in AI?
Great question. And it’s one I hear a lot, because let’s face it, for medium-sized insurers and brokers, the AI…
2 min read
0.1 CIP Points
Ask an Expert: How do Denial of Access benefits relate to flood exclusions and authority orders in Business Interruption insurance?
Q: In light of Cyclone Alfred's disruptions in Queensland and Northern NSW, how do "Additional Benefits" like Denial of Access…
2 min read
0.1 CIP Points
Ask an Expert: What can insurers expect from the simple advice regime?
At the core of the new regime is a recognition that the current regulatory framework has become too complex and…
2 min read
0.1 CIP Points
Ask an Expert: How can we differentiate between burnout and underperformance?
Q: As a manager working with strict performance metrics, how can I differentiate between an employee experiencing burnout and someone who…
2 min read
0.1 CIP Points
Ask an Expert: How is TPD insurance defined and assessed in Australia?
Total and permanent disability (TPD) insurance in Australia provides a critical safety net for millions of Australians and their families.…
2 min read
0.1 CIP Points
Ask an Expert: What does a Cyber Liability Insurance policy cover and what does it exclude?
Standalone cyber liability insurance usually has two key coverage components: first-party loss (costs incurred to respond to and recover from…
1 min read
0.1 CIP Points
Ask an Expert: How does partnering with a TPA compare to managing claims in-house?
Using a Third-Party Administrator (TPA) offers significant advantages over managing claims in-house, especially in the increasingly complex landscape of general…
1 min read
0.1 CIP Points
Ask an Expert: How can brokers solve data and integration issues to unlock the potential of AI?
I'm passionate about building world-class technology businesses in a range of industries but I'm fairly new to the insurance sector.…
1 min read
0.1 CIP Points
Ask an Expert: How does AFCA use expert reports in the context of insurance claim disputes?
In my experience, one of the most common and difficult aspects of decision-making at AFCA is reviewing expert reports to…
1 min read
0.1 CIP Points
Ask an Expert: How should grey and black water remediation be assessed and applied?
Question: What are the core definitions and parameters for a complete strip-out of flood-affected areas due to grey and black water?…
1 min read
0.1 CIP Points
Ask an Expert: What will the impact of CPS 230 be on service providers?
The impact of CPS 230 on service providers depends on their classification by APRA or insurers as "in scope." This…
1 min read
0.1 CIP Points
Ask an Expert: How can we verify the authenticity of receipts, diamond certificates or valuations?
Question: How can we verify the authenticity of a receipt, diamond certificate or valuation and ensure they haven't been edited or…
1 min read
0.1 CIP Points
Ask an Expert: What is an adjustment for ‘pro rata’ in aviation claims?
Most larger or more complex aircraft have components with mandated retirement or overhaul limits set by the Australian Civil Aviation…
1 min read
0.1 CIP Points
Ask an Expert: What underwriting questions determine if a defective building is insurable?
Determining the insurability of a property with defects is driven by several factors however the two main contributing factors would…
1 min read
0.25 CIP Points
Ask an Expert: Premium loadings in the Australian market
Q: Is it common in the Australian market to apply temporary or stepped premium loadings for medical conditions, rather than…
1 min read
0.1 CIP Points
Ask an Expert: How do fire investigations identify fraudulent claims, and what’s the impact on the policyholder?
Fire-related claims are subject to heightened scrutiny due to the potential for fraud. Fraudulent fire claims, where a fire is…
1 min read
0.1 CIP Points
Ask an Expert: As an SME insurer, what should we prioritise for an investment in AI?
Great question. And it’s one I hear a lot, because let’s face it, for medium-sized insurers and brokers, the AI…
2 min read
0.1 CIP Points
Ask an Expert: How do Denial of Access benefits relate to flood exclusions and authority orders in Business Interruption insurance?
Q: In light of Cyclone Alfred's disruptions in Queensland and Northern NSW, how do "Additional Benefits" like Denial of Access…
2 min read
0.1 CIP Points
Ask an Expert: How can we differentiate between burnout and underperformance?
Q: As a manager working with strict performance metrics, how can I differentiate between an employee experiencing burnout and someone who…
2 min read
0.1 CIP Points
Ask an Expert: Handling a mid-term shift to a high-risk occupation
Q: How do Australian insurers respond when a policyholder on an annual accident insurance policy changes from a low-risk to…
2 min read
0.1 CIP Points
Ask an Expert: How is TPD insurance defined and assessed in Australia?
Total and permanent disability (TPD) insurance in Australia provides a critical safety net for millions of Australians and their families.…
2 min read
0.1 CIP Points
Ask an Expert: What does a Cyber Liability Insurance policy cover and what does it exclude?
Standalone cyber liability insurance usually has two key coverage components: first-party loss (costs incurred to respond to and recover from…
1 min read
0.1 CIP Points
Ask an Expert: How does partnering with a TPA compare to managing claims in-house?
Using a Third-Party Administrator (TPA) offers significant advantages over managing claims in-house, especially in the increasingly complex landscape of general…
1 min read
0.1 CIP Points
Ask an Expert: How does AFCA use expert reports in the context of insurance claim disputes?
In my experience, one of the most common and difficult aspects of decision-making at AFCA is reviewing expert reports to…
1 min read
0.1 CIP Points
Ask an Expert: How should grey and black water remediation be assessed and applied?
Question: What are the core definitions and parameters for a complete strip-out of flood-affected areas due to grey and black water?…
1 min read
0.1 CIP Points
Ask an Expert: How can we verify the authenticity of receipts, diamond certificates or valuations?
Question: How can we verify the authenticity of a receipt, diamond certificate or valuation and ensure they haven't been edited or…
1 min read
0.1 CIP Points
Ask an Expert: What is an adjustment for ‘pro rata’ in aviation claims?
Most larger or more complex aircraft have components with mandated retirement or overhaul limits set by the Australian Civil Aviation…
1 min read
0.25 CIP Points
Ask an Expert: Premium loadings in the Australian market
Q: Is it common in the Australian market to apply temporary or stepped premium loadings for medical conditions, rather than…
1 min read
0.1 CIP Points
Ask an Expert: As an SME insurer, what should we prioritise for an investment in AI?
Great question. And it’s one I hear a lot, because let’s face it, for medium-sized insurers and brokers, the AI…
2 min read
0.1 CIP Points
Ask an Expert: How do Denial of Access benefits relate to flood exclusions and authority orders in Business Interruption insurance?
Q: In light of Cyclone Alfred's disruptions in Queensland and Northern NSW, how do "Additional Benefits" like Denial of Access…
2 min read
0.1 CIP Points
Ask an Expert: What can insurers expect from the simple advice regime?
At the core of the new regime is a recognition that the current regulatory framework has become too complex and…
2 min read
0.1 CIP Points
Ask an Expert: How can we differentiate between burnout and underperformance?
Q: As a manager working with strict performance metrics, how can I differentiate between an employee experiencing burnout and someone who…
2 min read
0.1 CIP Points
Ask an Expert: What does a Cyber Liability Insurance policy cover and what does it exclude?
Standalone cyber liability insurance usually has two key coverage components: first-party loss (costs incurred to respond to and recover from…
1 min read
0.1 CIP Points
Ask an Expert: How does partnering with a TPA compare to managing claims in-house?
Using a Third-Party Administrator (TPA) offers significant advantages over managing claims in-house, especially in the increasingly complex landscape of general…
1 min read
0.1 CIP Points
Ask an Expert: How can brokers solve data and integration issues to unlock the potential of AI?
I'm passionate about building world-class technology businesses in a range of industries but I'm fairly new to the insurance sector.…
1 min read
0.1 CIP Points
Ask an Expert: How does AFCA use expert reports in the context of insurance claim disputes?
In my experience, one of the most common and difficult aspects of decision-making at AFCA is reviewing expert reports to…
1 min read
0.1 CIP Points
Ask an Expert: How should grey and black water remediation be assessed and applied?
Question: What are the core definitions and parameters for a complete strip-out of flood-affected areas due to grey and black water?…
1 min read
0.1 CIP Points
Ask an Expert: What will the impact of CPS 230 be on service providers?
The impact of CPS 230 on service providers depends on their classification by APRA or insurers as "in scope." This…
1 min read
0.25 CIP Points
Ask an Expert: Premium loadings in the Australian market
Q: Is it common in the Australian market to apply temporary or stepped premium loadings for medical conditions, rather than…
1 min read
0.1 CIP Points
Ask an Expert: How do insurers in the Australian market approach underwriting for CI riders when the applicant isn’t the main life insured?
Q: How do insurers in the Australian market typically approach underwriting for Critical Illness (CI) riders when the applicant is…
1 min read
0.1 CIP Points
Ask an Expert: What can insurers expect from the simple advice regime?
At the core of the new regime is a recognition that the current regulatory framework has become too complex and…
2 min read
0.1 CIP Points
Ask an Expert: How can we differentiate between burnout and underperformance?
Q: As a manager working with strict performance metrics, how can I differentiate between an employee experiencing burnout and someone who…
2 min read
0.1 CIP Points
Ask an Expert: Handling a mid-term shift to a high-risk occupation
Q: How do Australian insurers respond when a policyholder on an annual accident insurance policy changes from a low-risk to…
2 min read
0.1 CIP Points
Ask an Expert: How is TPD insurance defined and assessed in Australia?
Total and permanent disability (TPD) insurance in Australia provides a critical safety net for millions of Australians and their families.…
2 min read
0.1 CIP Points
Ask an Expert: How do OH&S improvements influence life insurance underwriting and risk classification?
Improvements in occupational health and safety (OH&S) certainly do help to support the accessibility of life insurance products to a…
1 min read
0.1 CIP Points
Ask an Expert: How can we differentiate between burnout and underperformance?
Q: As a manager working with strict performance metrics, how can I differentiate between an employee experiencing burnout and someone who…
2 min read
0.1 CIP Points
Ask an Expert: How do fire investigations identify fraudulent claims, and what’s the impact on the policyholder?
Fire-related claims are subject to heightened scrutiny due to the potential for fraud. Fraudulent fire claims, where a fire is…
1 min read
0.1 CIP Points
Ask an Expert: As an SME insurer, what should we prioritise for an investment in AI?
Great question. And it’s one I hear a lot, because let’s face it, for medium-sized insurers and brokers, the AI…
2 min read
0.1 CIP Points
Ask an Expert: How do Denial of Access benefits relate to flood exclusions and authority orders in Business Interruption insurance?
Q: In light of Cyclone Alfred's disruptions in Queensland and Northern NSW, how do "Additional Benefits" like Denial of Access…
2 min read
0.1 CIP Points
Ask an Expert: How can we differentiate between burnout and underperformance?
Q: As a manager working with strict performance metrics, how can I differentiate between an employee experiencing burnout and someone who…
2 min read
0.1 CIP Points
Ask an Expert: Handling a mid-term shift to a high-risk occupation
Q: How do Australian insurers respond when a policyholder on an annual accident insurance policy changes from a low-risk to…
2 min read
0.1 CIP Points
Ask an Expert: How is TPD insurance defined and assessed in Australia?
Total and permanent disability (TPD) insurance in Australia provides a critical safety net for millions of Australians and their families.…
2 min read
0.1 CIP Points
Ask an Expert: What does a Cyber Liability Insurance policy cover and what does it exclude?
Standalone cyber liability insurance usually has two key coverage components: first-party loss (costs incurred to respond to and recover from…
1 min read
0.1 CIP Points
Ask an Expert: How does partnering with a TPA compare to managing claims in-house?
Using a Third-Party Administrator (TPA) offers significant advantages over managing claims in-house, especially in the increasingly complex landscape of general…
1 min read
0.1 CIP Points
Ask an Expert: How does AFCA use expert reports in the context of insurance claim disputes?
In my experience, one of the most common and difficult aspects of decision-making at AFCA is reviewing expert reports to…
1 min read
0.1 CIP Points
Ask an Expert: How should grey and black water remediation be assessed and applied?
Question: What are the core definitions and parameters for a complete strip-out of flood-affected areas due to grey and black water?…
1 min read
0.1 CIP Points
Ask an Expert: How can we verify the authenticity of receipts, diamond certificates or valuations?
Question: How can we verify the authenticity of a receipt, diamond certificate or valuation and ensure they haven't been edited or…
1 min read
0.1 CIP Points
Ask an Expert: What is an adjustment for ‘pro rata’ in aviation claims?
Most larger or more complex aircraft have components with mandated retirement or overhaul limits set by the Australian Civil Aviation…
1 min read
0.25 CIP Points
Ask an Expert: Premium loadings in the Australian market
Q: Is it common in the Australian market to apply temporary or stepped premium loadings for medical conditions, rather than…
1 min read