Hi, I'm Sami! Let's get you a quick quote in around 30 seconds.

What's your name?

Note that any questions relating to "you" refer to both you personally, as well as the proposed insured business and any other principals of the proposed insured business.

Hi ! What is your email address?

Welcome back! I've found an existing quote.

If you would like to continue with that quote, I'll send you an email link to click. Otherwise, we can start a new one.

Got it. Now, tell me the occupation that you would like to cover.

The occupation selected must accurately reflect the activities of the business.

Here are the types of cover I can offer for that occupation. Please select the ones that you would like to include in the quote.

Great! Please note the following additional conditions apply to that occupation:

Are you happy to continue?

Estimate your annual turnover (excluding GST).

I'm pleased to advise that I can provide cover for that occupation starting at only per month including GST. Stamp duty will be a little extra, but we can work that out later.

You can also choose to pay per year and save around .

To get an exact quote, I will need to ask some more questions. Should we continue?

Let's start with an easy one. When was the business first established?

Do you have at least 12 months experience or professionally recognised qualifications for this occupation?

Do you manufacture, alter, repair, repackage or import any products?

Can you confirm that you obtain medical history or client information in all cases, and maintain accurate and descriptive records of all medical, clinical or therapeutic services rendered?

Do you currently have a valid malpractice policy?

Without an existing malpractice policy, please be aware that cover will only commence from the date the policy is issued and any known claims or circumstances will be excluded.

As you have an existing malpractice policy, the retroactive date is unlimited but any known claims or circumstances will be excluded.

Can you confirm that you always use standard forms of contract or terms of engagement, verbal reports or advice are always confirmed in writing, and that the scope of professional services to be performed are always clearly set out in the contract or terms of engagement?

Do you currently have a valid professional indemnity policy?

Without an existing professional indemnity policy, please be aware that coverage will only be provided for future services undertaken. No cover will be provided for claims relating to services provided prior to the commencement date of the policy.

As you have an existing professional indemity policy, the retroactive date is unlimited but any known claims or circumstances will be excluded.

How many full time equivalent employees do you have (including yourself)?

It's important to note that there is no cover for any contractors that you may use, they would need to hold their own cover.

So I can correctly calculate stamp duty on your policy, please provide the turnover (excluding GST) by region where you earned income in the last 12 months.

You may need to get this information from your accounting package or accountant.
If you have been trading for less than a year, please make a reasonable estimate for the next 12 months.

Are you a capital gains tax small business entity which is carrying on a business that has an aggregated turnover of less than $2 million?

You indicated that there is turnover generated outside Australia. Is any of this from the United States of America?

Within the last five years, have any of the following applied to you?

• Had any claims against you which were (or could have been) covered by the proposed insurance?
• Been the subject of any complaint, suit, inquiry or notice of a hearing from any State, Territory or Federal regulatory body, or any other party?
• Had any fine or penalty imposed by, or been served an infringement, improvement or prohibition notice or enforcement order by any Federal, State, Local Government or Regulatory Authority?
• After enquiry, are you aware of any facts or circumstances which might result in a future claim under the proposed insurance?

Excellent! Can you also confirm if any of the following apply?

• Has there been any substantial change in your business in the past twelve months, or do you anticipate any substantial change in activities during the next twelve months?
• Do you assume liability under contract, enter into hold harmless agreements, or agree to waive rights of subrogation?

Have you had any allegation made against you or circumstances which may give rise to a claim not already notified to any insurer?

That's good news.

Have any of the following events ever occurred to you?

• Declared bankrupt.
• Convicted of a criminal offense.
• Subject to a disciplinary proceeding for professional misconduct.
• An insurer declined a proposal, declined to renew your insurance, cancelled, or imposed any special terms on your insurance policy?

Does the proposed Insured provide any services to the following industries?

• Aviation
• Defence
• Medical
• Nuclear

• Oil and gas
• Power generation
• Rail

In order to calculate the final premium, do you have a discount code from an advertisement, an industry partner, or one of our happy customers?

You can leave this blank if you don't have a code.

Thanks for the information.

Based on your annual turnover of , I can confirm the policy will cost if you pay annually including GST and stamp duty. This includes the following cover:

If you're ready to take out a policy, I'll get some final details from you.

What is your ABN?
I'll use this as the insured's name on the policy. If you don't have an ABN, leave this blank and I'll use your personal name.

If you need to specify an interested party on the policy, you should also enter it here. An interested party is not a party to your contract of insurance. However, there may be a contractual requirement for you to note an interested party under your contract of insurance.

Examples of the types of interested parties could be landlords, financiers or other parties working with your business such as principals.

The policy will be issued in the name of .
will be defined as an interested party.
Is this correct?

When would you like the cover to start?

You can choose a date within the next 30 days.

Can you let me know your street address? Be sure to include the suburb, state and postcode.

This must be your primary place of business within Australia. It cannot be a mailing address like a PO Box.

One last thing... in case we need to get in touch with you, what is your phone number?

Please be sure to provide the full number, including any area code.

We're almost at the finish line, but now it's time for the boring (but necessary) compliance and terms of service stuff.

You declare that:

• You are authorised on behalf of the proposed insured to complete the proposal.
• You have read and understood "Your Duty of Disclosure" contained in the Important Information accompanying the proposal form.
• Where you have provided information about another individual, you declare that the individual has been made aware of that fact and of the "Privacy Statement".
• In accordance with the "Privacy Statement" contained in the Important Information, you authorise Sami Insurance, its licensee, and its underwriter to collect or disclose any personal information relating to this insurance or credit reference services.
• The answers provided and statements of information in the proposal are true and complete and that no material facts have been misstated or suppressed after enquiry.
• Until a contract of insurance is entered into, you are under a continuing obligation to immediately inform Sami Insurance of any change to the information contained in the proposal.
• If a contract of insurance is entered into, the proposal and any accompanying documents will form the basis of the contract.

Please check your email (including your junk mail folder) for the important information that has been sent to you.
By clicking "I accept" below, you confirm you have received and reviewed the quote email and supporting attachments. Do not proceed until you have received and reviewed the quote email and supporting attachments.

How would you like to pay?

Note that monthly payment applications are sent to the credit provider and usually take one business day for assessment. If you require immediate cover, the annual payment option is recommended.

As your circumstances don't meet our standard criteria, I can arrange for someone from FD Beck Insurance Brokers (our licensee) to contact you to discuss your options.

Would you like me to arrange this?

YES

NO

Absolutely!

What would be the best phone number to reach you at? Please include the area code.

Not a problem. You're welcome to get a new quote if your circumstances change at any time.

Thanks for considering Sami Insurance.

Payment has not been processed. You can click the link in the email that I have sent when you are ready to return to this quote and make the payment.
Thanks for the chat. I hope we can do this again soon!

That's it, you're covered! You will shortly receive an email to confirm all of the policy details.

Thanks for choosing Sami Insurance.

Your application has been submitted and is typically assessed within one business day. You will receive an email once the application is approved, or if any further action is required.

Thanks for choosing Sami Insurance.

I will arrange for a member of the FD Beck Insurance Brokers team to contact you as soon as possible.

Thanks for considering Sami Insurance.

Which quote would you like to resume?

That's okay. Hopefully the quick quote has given you a rough idea of the price of the cover selected.

I've sent you an email with a link in case you wish to return to complete the process in the next 30 days.

Thanks for considering Sami Insurance.

Check your inbox and click the link to resume your quote.
If you don't receive the email in the next few minutes, also check your spam or junk mail folder.