Casualty

Being in business is rewarding and exciting, but it can also be risky and complex. Having the right package of liability covers in place can help businesses deal with the costs of difficult and expensive legal action.

Occupation Industry

The occupation options include the industry on their data attribute. This is used to determine whether certain of the other fields are required or not.

Parameter Explanations

Note, all of the identifier values are prone to change, particularly the occupation identifiers. It is highly recommended that any UI built populates the select options dynamically using the product info

Parameter	Type	Description
`product`	String	The product slug: “casualtyau”
`name_of_insured`	String	The name of the main entity being covered
`name`	String	The name of the contact person at the insured entity
`email`	String	The email address for the contact person at the insured entity
`policy_start_date`	String	Optional, see Products page for more info
`policy_end_date`	String	Optional, same format as start date. The shortest length for a policy is 6 months, the longest is 18 months. Leave blank to for the default duration of 12 months.
`limit`	String	The identifier for the `limit` amount selected
`occupation_percentages`	object: { occupation_identifier: number }	The percentages for each of the occupations the insured business undertakes. For each occupation selected, the identifier is used as a key for the object, with the value being the percentage. The sum of all the numbers must add up to 100.0. For example: `{"advertisingmediapublishing_comedian": 70, "advertisingmediapublishing_bookingagent": 30}`
`occupation_description_override`	String	Optional, by default the description is taken to be a list of the selected occupations. In a lot of cases, this does not adequately describe the activities the insured is involved in. This field allows for a detailed explanation of the occupations undertaken.
`turnover_value`	Integer	The turnover of the business being insured, in AUD
`years_in_business`	Integer	The number of complete years in business
`civil_hazardous_works_activities`	String	The identifier for the selected `civil_hazardous_works_activities` option. See List of questions for `civil_hazardous_works_activities`
`civil_hazardous_works_activities_info`	String	Required if the `yes` option for `civil_hazardous_works_activities` was selected. An explanation of the activities undertaken to assist the underwriter in evaluating the quote.
`claims`	String	The identifier for the selected `claims` option. The data property of the options has the information to determine which “no” option is applicable based on years in business.
`claims_info`	String	Required only if “yes” option for `claims` was selected. Enter information about the claims to assist the underwriter in evaluating the quote.
`region_earnings_percentages`	object: { state_code: number }	The percentages for each State the insured business operates in. For each state (`region`) selected, the lower case 3 letter code is used as a key for the object, with the value being the percentage. The sum of all the numbers must add up to 100.0. For example: `{"nsw": 62, "vic": 38}`. The permitted keys for the object are `nsw`, `vic`, `qld`, `sa`, `wa`, `tas`, `nt`, `act`
`stamp_duty_exempt`	Boolean	Only applicable when one of the `region_earnings_percentages` keys is `nsw`. Should only be `true` if the insured is a Capital Gains Tax small business entity. Proof of this status may be required.
`contractors_payments_value`	Integer or `null`	Optional, enter a value representing the amount paid per year to contractors, sub-contractors and labour hire personnel.
`contractors_activities`	String	Required if an amount was entered for `contractors_payments_value`. An explanation of the activities undertaken by the contractors, etc.
`contractors_liability`	String	Required if an amount was entered for `contractors_payments_value`. The identifier for the selected `contractors_liability` option.
`import_any_products`	String	The identifier for the selected `import_any_products` option.
`import_value`	Integer	Required if ‘yes’ was selected for `import_any_products`. The turnover derived from the import of goods per year in AUD
`import_countries`	Array[String]	The country codes (ISO 3166 Alpha 2) as an array of lower case strings, for all the countries that goods are imported from.
`export_any_products`	String
`export_value`	Integer	Required if ‘yes’ was selected for `export_any_products`. The turnover derived from the export of goods per year in AUD
`export_countries`	Array[String]	The country codes (ISO 3166 Alpha 2) as an array of lower case strings, for all the countries that goods are exported to.
`contractual_liability_principal_indemnities_waivers`	String	The identifier for the selected `contractual_liability_principal_indemnities_waivers` option.
`product_recall_limit`	String	The identifier for the selected `product_recall_limit` option.
`error_and_ommissions_limit`	String	The identifier for the selected `error_and_ommissions_limit` option.
`single_large_contracts`	String	Required if anything other than “None” was selected for either `product_recall_limit` or `error_and_ommissions_limit`, or both. The identifier for the selected `single_large_contracts` option.
`cleaners_loss_of_keys`	String	Required if any of the selected occupations in `occupation_percentages` is in the “Cleaners” industry. The identifier for the selected `cleaners_loss_of_keys` option.
`venue_over_max_rooms`	String	Required if any of the selected occupations in `occupation_percentages` is in the “Accomodation” industry. The identifier for the selected `venue_over_max_rooms` option.
`sporting_facilities`	String	Required if any of the selected occupations in `occupation_percentages` is in the “Accomodation” industry. The identifier for the selected `sporting_facilities` option.
`smoke_detectors`	String	Required if any of the selected occupations in `occupation_percentages` is in the “Accomodation” industry. The identifier for the selected `smoke_detectors` option.
`occupants_needing_care`	String	Required if any of the selected occupations in `occupation_percentages` is in the “Accomodation” industry. The identifier for the selected `occupants_needing_care` option.
`licensed_nightclub_backpackers`	String	Required if any of the selected occupations in `occupation_percentages` is in the “Accomodation” industry. The identifier for the selected `licensed_nightclub_backpackers` option.
`commercial_hotel`	String	Required if any of the selected occupations in `occupation_percentages` is in the “Accomodation” industry. The identifier for the selected `commercial_hotel` option.
`duty_of_disclosure_confirmation`	String	The identifier for the selected `duty_of_disclosure_confirmation` option. See List of questions for `duty_of_disclosure_confirmation`
`duty_of_disclosure_confirmation_info`	String	Required if the `yes` option for `duty_of_disclosure_confirmation_info` was selected. An explanation of the activities undertaken to assist the underwriter in evaluating the quote.
`employees_count`	Integer	The number of people employed by the insured business
`addresses`	Array{ address1: String, address2: String (Optional), locality: String, region: String, post_code: String }	An array of addresses where business is conducted by the insured. There must be at least one address entered, and the first address is assumed to be the corporate HQ. The `address1` and `address2` fields denote the street address (2nd one is optional). `locality` refers to the city or suburb, `region` refers to the State (3 letter code, ie “VIC”, “QLD”).

List of questions for `civil_hazardous_works_activities`

The following must be presented to the insured so they may answer “No to all”, or “Yes to one or more”

Do you perform any work in connection with the following:

any dams, canals, viaducts or watercourses;

any towers, steeples, chimney, shafts, or blast furnaces;

any bridge, overpass, tunnel or highway construction;

any rail, railways, railway corridors, or railway stations;

any power station (including wind, hydro and solar), overhead powerlines, transmission lines, substation and/or water utility and mains pipelines;

any mines sites (above ground or below ground) and/or mine infrastructure;

any breakwaters, seawalls, wharves, jetties, ship loading facilities, docking stations or marine vessels or watercraft;

any airports, aircraft, aerodrome, airstrip, hangar, runway curtains or runways;

any petroleum refinery, petrochemical plants, fuel storage, or handling facilities;

any chemical refinery, chemical plants, chemical storage, or handling facilities;

any oil refinery, oil plants, oil storage, or handling facilities;

any off-shore work platforms.

List of questions for `duty_of_disclosure_confirmation`

The following must be presented to the insured so they may answer “No to all”, or “Yes to one or more”

Have you or any director/partner/manager of the business ever:

Had insurance declined or cancelled?

Had an insurer refused or not invite renewal?

Had any special conditions imposed on a policy of insurance?

Had a special excess imposed on a policy of insurance?

Had a claim rejected under a policy of insurance?

Been declared bankrupt or placed into receivership or liquidation?

Been charged with or convicted of a criminal offence

Parameters required to create a quote

{
  "limit": "limit_0",
  "turnover_value": 1000000,
  "years_in_business": 12,
  "claims": "no_above_min_years_in_business",
  "duty_of_disclosure_confirmation": "no",
  "civil_hazardous_works_activities": "no",
  "import_any_products": "no",
  "export_any_products": "no",
  "contractual_liability_principal_indemnities_waivers": "no",
  "product_recall_limit": "product_recall_limit_none",
  "error_and_ommissions_limit": "error_and_ommissions_limit_none",
  "stamp_duty_exempt": false,
  "occupation_percentages": {
    "advertisingmediapublishing_comedian": 70,
    "advertisingmediapublishing_bookingagent": 30
  },
  "region_earnings_percentages": {
    "qld": 100
  },
  "addresses": [
    {}
  ],
}

Full parameters (including most of the optional and conditionally required fields)

{
  "product": "casualtyau",
  "name_of_insured": "Mary's Chimney Services Pty Ltd",
  "name": "Mary Smith",
  "email": "mary@example.com",
  "policy_start_date": "2021-10-15",
  "policy_end_date": "2022-10-31",
  "occupation_percentages": {
    "accommodation_boardinghouse": 70,
    "cleaners_chimneycleaningresidential": 30
  },
  "occupation_description_override": "Chimney cleaning, and a boarding house for other chimney sweeps and their apprentices",
  "limit": "limit_2",
  "turnover_value": 1000000,
  "years_in_business": 12,
  "civil_hazardous_works_activities": "yes",
  "civil_hazardous_works_activities_info": "Occasional work at a local hangar",
  "claims": "yes",
  "claims_info": "An apprentice was injured while carrying a ladder",
  "region_earnings_percentages": {
    "nsw": 28,
    "qld": 72
  },
  "stamp_duty_exempt": true,
  "contractors_payments_value": 12000,
  "contractors_activities": "Sub-contracting chimney cleaning duties",
  "contractors_liability": "yes",
  "import_any_products": "yes",
  "import_value": 1200,
  "import_countries": [
    "e82bfcfd-1770-4dc6-85bf-d696dc327250"
  ],
  "export_any_products": "yes",
  "export_value": 1400,
  "export_countries": [
    "531e2a2c-b3ce-4eb8-88d0-fb72f4b21082",
    "18611405-d831-4641-a647-9e982e9e8105"
  ],
  "contractual_liability_principal_indemnities_waivers": "yes",
  "product_recall_limit": "product_recall_limit_3",
  "error_and_ommissions_limit": "error_and_ommissions_limit_3",
  "single_large_contracts": "yes",
  "cleaners_loss_of_keys": "cleaners_loss_of_keys_1",
  "venue_over_max_rooms": "no",
  "sporting_facilities": "no",
  "smoke_detectors": "yes",
  "occupants_needing_care": "no",
  "licensed_nightclub_backpackers": "no",
  "commercial_hotel": "no",
  "duty_of_disclosure_confirmation": "yes",
  "duty_of_disclosure_confirmation_info": "An additional excess was applied after the last claim",
  "employees_count": 13,
  "addresses": [
    {
      "address1": "63 York Street",
      "locality": "Sydney",
      "country_code": "AU",
      "region": "NSW",
      "post_code": "2000"
    }
  ]
}

Casualty

Occupation Industry

Parameter Explanations

List of questions for civil_hazardous_works_activities

Do you perform any work in connection with the following:

List of questions for duty_of_disclosure_confirmation

Have you or any director/partner/manager of the business ever:

Parameters required to create a quote

Full parameters (including most of the optional and conditionally required fields)

List of questions for `civil_hazardous_works_activities`

List of questions for `duty_of_disclosure_confirmation`