Professional Liability

The individuals at ToPAz have many years’ experience in handling casualty Liability claims, Professional Indemnity, D&O, A&H, Property, Strata, and Financial Lines in Australia.

We have a close working relationship with a large Australian law firm and work with law firms in every State allowing us to select the right firm for the right claim based on experience and location.

We actively manage all claims to ensure the defence costs are minimalised and proportionate to the claim.

As ToPAz uses its own bespoke shared platform, with no delays in the decision-making process or tactical management of the notification.

ToPAz has local contacts and knowledge, coupled with an in depth understanding of the London market and the requirements of Lloyd’s and London market insurers.

Professional indemnity

Building progfessionals

We handle claims with a Delegated Claims Authority (DCA) from Lloyd's for Antares Syndicate for building professional such as certifiers and inspectors.

Legal industry

The joint head of claims handle professional indemnity claims for legal practitioners.

Casualty

Property and Personal Injury

We have a DCA with Lloyds for a binder for Property and Personal Injury, Professional Indemnity and Accident and health and in are in the process of signing another DCA for commercial logging, boith of these binders involve multiple policy coverages.

We manage non-litigated and minor litigated claims focussing on early resolution. Where necessary and when underwriters request it, we engage lawyers to provide an estimate or an opinion on coverage or liability.

We mange

  • excess collection,
  • reservation of rights
  • engagement with stakeholders, insureds, coverholders and brokers
  • ensure compliance with the insurance General Code.

We handle indemnity disputes in AFCA (formerly FOS), making submissions and responses to Lloyd’s Australia. If coverage Counsel is required, we appoint in accordance with

In order to minimise expense, we do desktop factual investigations, collecting CCTV, relevant contracts, statements, photos and video. Although licensed to undertake investigations where on site visits are required and the cost of the claim mandates it, we seek instructions to appoint a loss adjusters or factual investigators.

We have a panel of builders, glass installers and assessors to manage property claims at all levels.

We fast track minor property claims under AUD$5,000.

We have expertise in claims involving the following issues:

  • worker to worker
  • motor accident and workers compensation and building site claims
  • child claims including sexual molestation
  • contractual disputes
  • workers let on hire
  • medical negligence

Strata claims

Mike Roberts has extensive experience in the strata industry in terms of claims, coverage advice, policy wordings and recoveries, acting for four major strata coverholders in Australia.

Employment Practices Liability

We manage non-litigated, minor (under AUD$20k) and litigated claims matters in Fair Work Australia, the Federal Court and state Discrimination tribunals, national wide including

  • alleged wrong dismissal
  • workplace bullying
  • “general protections’ claims
  • Equal opportunity and discrimination matters.

Management Liability

Our staff have handled matters involving claims

  • against directors, based on guarantees
  • statutory fines including assisted appearances and negotiations in West Australia, Queensland, New South Wales and Victoria

We have handled licencing matters in consumer tribunals VCAT, VCAT and QCAT.

Motor claims including Heavy Motor

We handle motor claims, and have specialist offerings for

  • Motor Mutuals in the Gig economy
  • Motor Trades industry

Including heavy motor claims in the plant hire industry (CPE) including both wet and dry hire, waiver and contractual issues.

A&H

Personal Accident

We handle clams involving contingency sums for fractures and specified events.

Income Protection

We manage claims involving ongoing weekly payments, medical examinations, arrange surveillance and assist with recoveries where the incident gives rise to liability in motor accident or workers compensation claims.