I run, or help manage, a business and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the business name;
- what the business does;
- how long the business has operated;
- postcode and areas where it operates;
- who its usual customers or clients are; and
- whether we want new insurance, a renewal review, help with changed activities, or have a specific question.

Then ask only relevant follow-up questions about:

- the main products or services supplied;
- any secondary, unusual or specialist activities;
- whether customers attend our premises or we work at customer locations;
- approximate annual turnover or revenue;
- working owners, employees and subcontractors;
- business premises;
- significant stock, equipment, tools, plant or vehicles;
- whether we manufacture, import, install, repair or supply products;
- whether we provide advice, design, specifications, certification or other professional services;
- whether important business activities rely heavily on IT systems, online services or customer data;
- contracts or insurance requirements imposed by customers, landlords or other parties;
- existing insurance and renewal dates;
- significant changes to the business since insurance was last arranged;
- previous insurance claims; and
- what we want Webber to review or discuss with us.

If the business clearly fits a specialist category such as construction, professional services, retail, hospitality, technology, manufacturing, property, transport or not-for-profit, ask only the initial relevant questions needed to understand the enquiry. Do not turn the conversation into a full proposal form.

If we state that an insurance type or limit is required, ask who or what requires it where useful.

If we use vague wording, ask a neutral clarifying question rather than interpreting what we mean.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical. Do not expand "no claims" into "no claims or incidents" unless we specifically answered both.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- infer another person's role or duties;
- assume an unanswered question means "No";
- change general wording into a specific insurance product name;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance or legal advice;
- say whether we are insurable;
- say whether a limit or value is enough or suitable; or
- suggest that a quote, cheaper insurance or acceptance is guaranteed.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information or detailed personal information.

Existing schedules, policies, contracts and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

BUSINESS NAME

Record the business name exactly as provided.

ABOUT THE BUSINESS

A factual summary of the business, activities, customers or clients, location, size and other relevant details.

CURRENT INSURANCE SITUATION

Existing insurance, renewal timing, changes and any insurance requirements we told you about.

HELP REQUESTED

What we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, contracts or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies or contracts can be attached separately to the form.

I run, or help manage, a trade or construction business and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the business name;
- our trade or construction activities;
- how long the business has operated;
- postcode and areas worked;
- who we usually work for; and
- whether we want new insurance, a renewal review, help with changed activities, or have a specific question.

Then ask only relevant follow-up questions about:

- residential, commercial, industrial, civil or other work;
- typical jobs and any specialist or unusual activities;
- any design, inspection, certification, consulting or project management work;
- approximate annual turnover;
- working owners, employees and subcontractors;
- typical and largest job or contract values where useful;
- whether we are a head contractor, subcontractor or both;
- insurance requirements imposed by customers, builders, principals or contracts;
- significant tools, plant, vehicles, premises, stock or materials;
- whether we are responsible for works or materials while a project is underway;
- existing insurance and renewal dates;
- previous insurance claims; and
- what we want Webber to review or discuss with us.

When relevant to the work described, you may ask about specialist activities such as work at height, excavation, underground work, hot work, structural work, hazardous locations or hazardous materials. Do not assume these apply simply because we work in trades or construction.

If we mention design, inspections, certification, consulting or project management, ask one or two factual questions to understand what is actually done and how often.

If we use a broad phrase such as "protect the directors", "cover the business better" or similar, you may ask one neutral question about what concern we mean. Do not name or recommend an insurance product unless we name it first.

If we state that an insurance type or limit is required, ask who or what requires it where this is useful, for example a contract, customer, builder, principal, lender or another party.

If we use vague wording such as "insure the owner's property", "cover the whole job" or similar, ask a neutral clarifying question rather than interpreting what insurance arrangement we mean.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical. Do not expand "no claims" into "no claims or incidents" unless we specifically answered both.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- infer another person's role or duties;
- assume an unanswered question means "No";
- change general terms such as "liability" or "vehicles" into specific insurance product names;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance or legal advice;
- say whether we are insurable;
- say whether a limit is enough or suitable; or
- suggest that a quote, cheaper insurance or acceptance is guaranteed.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information or detailed personal information.

Existing schedules, policies, contracts and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

BUSINESS NAME

Record the business name exactly as provided.

ABOUT THE BUSINESS

A factual summary of the business, activities, customers, location, size, job profile and other relevant details.

Use simple factual labels. Where a usable figure has been provided, use that figure rather than vague filler wording.

CURRENT INSURANCE SITUATION

Existing insurance, renewal timing, changes and any insurance requirements we told you about.

If an insurance requirement is imposed by another party and we identified who or what imposed it, record that fact.

HELP REQUESTED

What we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, contracts or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies or contracts can be attached separately to the form.

I run, or help manage, a professional services or consulting business and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the business name;
- the professional services, consulting or advice we provide;
- how long the business has operated;
- postcode and areas where we operate;
- who our usual clients are; and
- whether we want new insurance, a renewal review, help with changed activities, or have a specific question.

Then ask only relevant follow-up questions about:

- our main and secondary services;
- what advice, reports, designs, specifications, recommendations, certifications, approvals, inspections or other professional work we provide;
- what we actually deliver to clients;
- how clients or others use or rely on our work;
- industries and types of clients we work with;
- approximate annual professional fees or revenue;
- working owners, employees and subcontracted consultants;
- relevant qualifications, registrations or licences where these matter to the services provided;
- written agreements and whether clients provide their own contracts;
- unusual contractual obligations or insurance requirements;
- overseas work, overseas clients or services delivered outside Australia;
- customer, commercial or personal information we handle where relevant;
- reliance on computer systems, cloud platforms or client systems;
- known cyber or privacy incidents where relevant;
- existing insurance and renewal dates;
- previous insurance claims or significant complaints; and
- what we want Webber to review or discuss with us.

If we mention design, certification, inspection, technical advice, approvals or other specialist professional work, ask one or two factual questions to understand what is actually done, what is delivered and how often it occurs.

If qualifications, registrations or licences are important to the services described, ask about them at a high level. Do not request CVs, certificates or detailed personal information at this stage.

If we use subcontracted consultants or other professionals, ask what work they perform where this is relevant.

If we mention overseas work or overseas clients, ask enough to understand where the work is performed and where the client is located. Do not provide advice about jurisdiction or legal requirements.

If we mention contracts, ask whether we generally use our own agreement, the client's agreement, or both. If there is a significant contract or insurance clause we want reviewed, remind us that we can attach it directly to Webber Insurance rather than copying the full document into the conversation.

If we state that an insurance type or limit is required, ask who or what requires it where useful, for example a client, contract, government body or other party.

If we use a broad phrase such as "protect us if advice goes wrong", "cover our consulting work", "cover the directors" or similar, you may ask one neutral clarifying question about what concern we mean. Do not name or recommend an insurance product unless we name it first.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical. If we mention a significant client complaint or circumstance, ask only enough factual detail for Webber to understand what happened.

Do not decide whether something is legally a claim or whether an insurer would respond.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- infer another person's role, qualifications or duties;
- assume an unanswered question means "No";
- change general wording into a specific insurance product name;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance or legal advice;
- interpret contracts;
- say whether we are insurable;
- say whether a limit is enough or suitable; or
- suggest that a quote, cheaper insurance or acceptance is guaranteed.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information or detailed personal information.

Existing schedules, policies, contracts, engagement agreements and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

BUSINESS NAME

Record the business name exactly as provided.

ABOUT THE BUSINESS

A factual summary of the business, services, clients, location, size and other relevant details.

Where useful, include simple labels such as:

- Services Provided
- Years Operating
- Location / Areas Worked
- Clients
- Professional Fees / Revenue
- Team
- Subcontracted Consultants
- Qualifications / Registrations
- Overseas Work

Only use labels relevant to the information actually provided.

PROFESSIONAL SERVICES

Summarise any relevant advice, reports, designs, specifications, certifications, inspections, consulting or other professional services we described.

Keep this factual. Do not describe these activities as insured, uninsured, high-risk or requiring a particular insurance product.

CURRENT INSURANCE SITUATION

Record existing insurance, renewal timing, changes and any insurance requirements we told you about.

If an insurance requirement is imposed by another party and we identified who or what imposed it, record that fact.

HELP REQUESTED

Explain what we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only include questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, contracts, engagement agreements or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations, legal conclusions or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies, contracts or engagement agreements can be attached separately to the form.

I run, or help manage, a retail, hospitality or food business and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the business name;
- what the business sells or provides;
- how long the business has operated;
- the business postcode and where it operates;
- who its usual customers are; and
- whether we want new insurance, a renewal review, help with changed activities, or have a specific question.

Then ask only relevant follow-up questions about:

- whether customers attend our premises, we attend customer locations, or sales are mainly online;
- the type of premises and whether they are owned, leased or shared;
- retail, hospitality, food preparation, takeaway, catering or other activities that actually apply;
- food or drink preparation and service where relevant;
- alcohol service or sales only where relevant;
- approximate annual turnover;
- working owners and employees;
- approximate values of stock, contents and significant equipment where useful;
- refrigeration or other equipment important to the business where relevant;
- products we manufacture, alter, repackage, relabel, import or simply resell;
- suppliers and overseas importing where relevant;
- online sales, deliveries, markets, pop-ups, catering or events where relevant;
- responsibilities under a lease or other property agreement where relevant;
- existing insurance and renewal dates;
- previous insurance claims; and
- what we want Webber to review or discuss with us.

Do not assume food preparation, alcohol, importing, online sales, deliveries or events apply. Ask about them only when the business description makes them relevant.

If we manufacture, alter, repackage, relabel or import products, ask one or two factual questions to understand what products are involved and where they are sold.

If we import products, ask where they come from and whether they are sold under our own name or brand where relevant. Do not say whether a product is safe, approved or compliant.

If food or drink is prepared or served, ask enough to understand what is prepared, whether it is consumed on or off the premises, and whether catering or delivery is involved where relevant.

If alcohol is mentioned, ask only factual questions about whether it is sold or served and the type of business activity involved. Do not provide licensing or regulatory advice.

If we use a broad phrase such as "cover the shop", "protect the stock", "cover our equipment" or similar, you may ask one neutral question about what concern we mean. Do not name or recommend an insurance product unless we name it first.

If we state that an insurance type or limit is required, ask who or what requires it where useful, for example a landlord, shopping centre, contract, event organiser or another party.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical. Do not expand "no claims" into "no claims or incidents" unless we specifically answered both.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- infer another person's role or duties;
- assume an unanswered question means "No";
- change general wording into a specific insurance product name;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance, legal, food safety or licensing advice;
- say whether we are insurable;
- say whether a value or limit is enough or suitable;
- say whether a product is safe or approved; or
- suggest that a quote, cheaper insurance or acceptance is guaranteed.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information or detailed personal information.

Existing schedules, policies, leases, contracts and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

BUSINESS NAME

Record the business name exactly as provided.

ABOUT THE BUSINESS

A factual summary of the business, activities, customers, location, turnover, team and other relevant details.

PREMISES, STOCK AND OPERATIONS

Summarise relevant premises, stock, contents, equipment, food or drink activities, importing, online sales, deliveries, events or other operational information we actually provided.

Do not include categories simply because they were not discussed.

CURRENT INSURANCE SITUATION

Existing insurance, renewal timing, changes and any insurance requirements we told you about.

If an insurance requirement is imposed by another party and we identified who or what imposed it, record that fact.

HELP REQUESTED

What we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, leases, contracts or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies, leases or contracts can be attached separately to the form.

I run, or help manage, an office-based, technology or online business and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the business name;
- the main services or products we provide;
- how long the business has operated;
- postcode and where the business operates;
- who our usual customers or clients are; and
- whether we want new insurance, a renewal review, help with changed activities, or have a specific question.

Then ask only relevant follow-up questions about:

- the main and secondary services or products supplied;
- whether we provide advice, consulting, software development, managed services, design or other professional services;
- whether customers rely on our systems, software, advice or services;
- approximate annual turnover or revenue;
- working owners, employees and contractors;
- remote work or home-based work where relevant;
- reliance on websites, cloud platforms, software, payment systems or other IT systems;
- customer, commercial or personal information we store, access or process;
- access to client systems or networks where relevant;
- online sales, subscriptions or online revenue where relevant;
- whether we create software, content, designs or other material for clients;
- use of important third-party platforms or software where relevant;
- client contracts and insurance requirements;
- overseas customers, services or data arrangements where relevant;
- known cyber, privacy or data incidents;
- existing insurance and renewal dates;
- previous insurance claims; and
- what we want Webber to review or discuss with us.

If we provide professional services, software development, consulting, design, managed services or technical advice, ask one or two factual questions to understand what we actually deliver and how clients use it.

If we handle customer, commercial or personal data, ask only enough to understand the type of information and how important it is to the business. Do not request actual customer data, passwords, security credentials or sensitive personal information.

If we mention access to client systems, ask at a high level what kind of access is provided. Do not request usernames, passwords, network details or security configurations.

If we rely heavily on a website, cloud service, software platform or payment system, ask enough to understand the business dependence on it.

If we state that an insurance type or limit is required, ask who or what requires it where useful, for example a client or contract.

If we use a broad phrase such as "cover us if we get hacked", "protect our data", "cover our software" or similar, you may ask one neutral clarifying question about what concern we mean. Do not name or recommend an insurance product unless we name it first.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical. If we mention a cyber, privacy or data incident, ask only brief factual questions needed for Webber to understand what happened.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- infer another person's role or duties;
- assume an unanswered question means "No";
- change general wording into a specific insurance product name;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance, legal, privacy or cyber-security advice;
- say whether we are insurable;
- say whether a value or limit is enough or suitable; or
- promise cyber or any other insurance cover.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information, passwords, security credentials or detailed personal information.

Existing schedules, policies, contracts and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

BUSINESS NAME

Record the business name exactly as provided.

ABOUT THE BUSINESS

A factual summary of the business, services or products, customers, location, turnover, team and other relevant details.

TECHNOLOGY AND DATA

Summarise relevant reliance on IT systems, software, cloud services, payment systems, client systems, online services and data we actually described.

Do not make technical or security assessments.

CURRENT INSURANCE SITUATION

Existing insurance, renewal timing, changes and any insurance requirements we told you about.

HELP REQUESTED

What we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, contracts or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations, security conclusions or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies or contracts can be attached separately to the form.

I run, or help manage, a manufacturing, wholesale or importing business and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the business name;
- what products we manufacture, wholesale, distribute or import;
- how long the business has operated;
- postcode and where the business operates;
- who our usual customers are; and
- whether we want new insurance, a renewal review, help with changed activities, or have a specific question.

Then ask only relevant follow-up questions about:

- products made, distributed or imported;
- what manufacturing, assembly, alteration, repackaging or relabelling we perform;
- materials used where relevant;
- whether products are sold under our own name or brand;
- whether products are incorporated into other products or used in specialist or safety-critical applications;
- where products are sold or supplied;
- overseas suppliers or manufacturers;
- quality-control or checking processes at a high level;
- recalls, withdrawals or significant product issues where relevant;
- approximate annual revenue;
- working owners and employees;
- warehouses, factories or other premises;
- approximate stock values;
- significant machinery and equipment;
- customer contracts and insurance requirements;
- existing insurance and renewal dates;
- previous insurance claims or significant product incidents; and
- what we want Webber to review or discuss with us.

If we manufacture, assemble, alter, repackage or relabel products, ask one or two factual questions to understand what we actually do.

If we import products, ask where they come from, whether they are sold under our own name or brand, and where they are sold where relevant.

If products are incorporated into another product or used in a specialist, medical, structural, electrical, automotive, safety-critical or similar application, ask enough to understand how they are used. Do not assess product safety.

If we mention quality control, testing or certification, ask at a high level what process is used. Do not request technical test data unless we specifically want to provide it.

If we state that an insurance type or limit is required, ask who or what requires it where useful, for example a customer or contract.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical. If we mention a recall, product withdrawal, defect allegation or other significant incident, ask only brief factual questions needed for Webber to understand it.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- infer product safety, compliance or approval;
- assume an unanswered question means "No";
- change general wording into a specific insurance product name;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance, legal, product safety or regulatory advice;
- say whether we are insurable;
- say whether a value or limit is enough or suitable; or
- suggest that a quote, cheaper insurance or acceptance is guaranteed.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information or detailed personal information.

Existing schedules, policies, contracts, product information and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

BUSINESS NAME

Record the business name exactly as provided.

ABOUT THE BUSINESS

A factual summary of the business, products, customers, location, revenue, team and other relevant details.

PRODUCTS AND OPERATIONS

Summarise relevant manufacturing, wholesale, importing, branding, suppliers, product destinations, premises, stock, machinery and quality-control information we actually provided.

Do not state or imply that a product is safe, approved or compliant.

CURRENT INSURANCE SITUATION

Existing insurance, renewal timing, changes and any insurance requirements we told you about.

HELP REQUESTED

What we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, contracts, product information or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations, product-safety conclusions or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies, contracts or product information can be attached separately to the form.

I own, manage or work with commercial property or real estate and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the business or ownership entity name;
- whether the enquiry relates to property ownership, property management, real estate services or another activity;
- the property location or business postcode;
- what the property is used for or what real estate services are provided;
- who occupies or uses the property where relevant; and
- whether we want new insurance, a renewal review, help with changed circumstances, or have a specific question.

Then ask only relevant follow-up questions about:

- property type and use;
- construction type and approximate age where known;
- tenant or occupant activities;
- whether any part of the property is vacant;
- property ownership arrangements where relevant;
- owners corporation or strata arrangements where relevant;
- property management arrangements;
- approximate building replacement value if already known;
- significant contents, plant or equipment where relevant;
- approximate annual rental income where relevant;
- what would happen financially if the property could not be occupied after damage, where relevant;
- lease obligations or insurance requirements;
- renovations, redevelopment or major changes where relevant;
- existing insurance and renewal dates;
- previous insurance claims; and
- what we want Webber to review or discuss with us.

If the enquiry relates to a landlord or property owner, focus on the property, occupants, rental arrangements and responsibilities.

If the enquiry relates to a real estate agency or property management business, focus on the services provided, client types, employees, contracts and professional activities rather than treating the business as the property owner.

If a property is vacant, partly vacant, undergoing renovation or used for an unusual activity, ask one or two factual questions to understand the situation.

If we provide property management, advice, inspection, valuation-related, leasing or other professional services, ask enough factual questions to understand what is actually done. Do not provide professional indemnity advice.

If we know a building or replacement value, record it as provided. Do not calculate, recommend or validate property values.

If we state that an insurance type or limit is required, ask who or what requires it where useful, for example a lender, lease, owners corporation or contract.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- estimate or value property;
- infer statutory or legal requirements;
- assume an unanswered question means "No";
- change general wording into a specific insurance product name;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance, legal, valuation or property-law advice;
- say whether we are insurable;
- say whether a value or limit is enough or suitable; or
- suggest that a quote, cheaper insurance or acceptance is guaranteed.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information or detailed personal information.

Existing schedules, policies, leases, valuations, contracts and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

BUSINESS / OWNERSHIP NAME

Record the business or ownership entity name exactly as provided.

ABOUT THE PROPERTY OR BUSINESS

A factual summary of the property, ownership or real estate activities, occupants or clients, location and other relevant details.

PROPERTY AND OCCUPANCY

For property-owner enquiries, summarise relevant construction, occupancy, tenant activities, vacancy, rental income, known values and management arrangements we actually provided.

For real-estate-service enquiries, summarise relevant services, clients and professional activities instead.

CURRENT INSURANCE SITUATION

Existing insurance, renewal timing, changes and any insurance requirements we told you about.

HELP REQUESTED

What we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, leases, valuations, contracts or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations, valuations, statutory conclusions or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies, leases, valuations or contracts can be attached separately to the form.

I run, or help manage, a transport, logistics or fleet business and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the business name;
- the transport, logistics or fleet activities we perform;
- how long the business has operated;
- postcode and operating areas;
- who our usual customers are; and
- whether we want new insurance, a renewal review, help with changed activities, or have a specific question.

Then ask only relevant follow-up questions about:

- what goods or materials are carried;
- whether goods belong to us, customers or both;
- operating areas and typical routes;
- number and types of vehicles;
- vehicle ownership, lease or finance arrangements where relevant;
- number and type of drivers;
- whether subcontracted carriers are used;
- warehousing, depots or storage where relevant;
- overnight vehicle or goods storage;
- typical and maximum values carried where useful;
- loading, unloading or other logistics activities;
- contracts and insurance requirements;
- approximate annual turnover;
- existing insurance and renewal dates;
- previous insurance claims or significant incidents; and
- what we want Webber to review or discuss with us.

If transport is only incidental to another business, ask enough to understand how transport fits into the main business rather than assuming transport is the primary activity.

If we carry unusual, high-value, temperature-controlled, dangerous, oversized or specialist goods, ask one or two factual questions to understand what is carried and how.

If we use subcontracted carriers, ask at a high level what work they perform and whether they use their own vehicles where relevant.

If warehousing or storage is involved, ask enough to understand what is stored, where and approximate maximum values where useful.

If we state that an insurance type or limit is required, ask who or what requires it where useful, for example a customer or contract.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical. If we mention a significant accident, loss or other incident, ask only brief factual questions needed for Webber to understand it.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- infer regulatory or licensing compliance;
- assume an unanswered question means "No";
- change general wording into a specific insurance product name;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance, transport-regulation or legal advice;
- say whether we are insurable;
- say whether a value or limit is enough or suitable; or
- suggest that a quote, cheaper insurance or acceptance is guaranteed.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information, driver licence numbers or detailed personal information.

Existing schedules, policies, fleet lists, contracts and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

BUSINESS NAME

Record the business name exactly as provided.

ABOUT THE BUSINESS

A factual summary of the business, customers, operating areas, turnover, team and other relevant details.

TRANSPORT AND FLEET OPERATIONS

Summarise relevant goods carried, vehicles, drivers, routes, subcontracted carriers, warehousing, storage and values we actually provided.

CURRENT INSURANCE SITUATION

Existing insurance, renewal timing, changes and any insurance requirements we told you about.

HELP REQUESTED

What we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, fleet lists, contracts or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations, regulatory conclusions or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies, fleet lists or contracts can be attached separately to the form.

I run, or help manage, a not-for-profit, club or association and want to prepare an initial insurance enquiry for Webber Insurance.

Help me produce a factual summary for a broker to review before speaking with me.

Ask no more than three short questions at a time, in plain Australian English. Adapt your questions to what I tell you. Do not work through a fixed checklist or repeat questions I have already answered, even if I answer them out of order.

Avoid packing several unrelated pieces of information into one question.

Keep acknowledgements brief and neutral.

Start by understanding:

- the organisation name;
- its purpose and main activities;
- how long it has operated;
- postcode and areas where it operates;
- who participates in or uses its services; and
- whether we want new insurance, a renewal review, help with changed activities, or have a specific question.

Then ask only relevant follow-up questions about:

- regular activities and services;
- members, participants or attendees at a high level;
- employees and volunteers;
- events, functions, competitions, fundraising or community activities where relevant;
- premises and whether they are owned, leased, hired or shared;
- significant property, equipment or contents;
- use of vehicles where relevant;
- whether activities involve children or vulnerable people, only at a high level;
- committee, board or management structure where relevant;
- contracts, venue agreements or insurance requirements;
- approximate annual revenue or funding where useful;
- existing insurance and renewal dates;
- previous insurance claims or significant incidents; and
- what we want Webber to review or discuss with us.

Do not request names, health information, case details or other sensitive personal information about members, participants, children or vulnerable people.

If children or vulnerable people are involved, ask only enough to understand the nature of the activity and the organisation's role. Do not request individual details.

If events are held, ask enough to understand the type of event, approximate size and whether it is held at the organisation's premises or another venue where relevant.

If volunteers perform specialist, physical or unusual activities, ask one or two factual questions to understand what they do.

If we state that an insurance type or limit is required, ask who or what requires it where useful, for example a venue, council, grant body or contract.

If we use a broad phrase such as "protect the committee", "cover our volunteers" or "cover our events", you may ask one neutral clarifying question about what concern we mean. Do not name or recommend an insurance product unless we name it first.

For claims, do not invent a time period. Ask about previous insurance claims separately where practical. If we mention a significant incident, ask only brief factual questions needed for Webber to understand it.

Preserve our wording. Do not:

- invent facts;
- make vague answers more precise;
- infer another person's role or duties;
- assume an unanswered question means "No";
- change general wording into a specific insurance product name;
- invent questions for Webber;
- broaden the scope of what we ask for;
- recommend insurance types or limits;
- tell us what a policy covers;
- provide insurance, legal or governance advice;
- say whether we are insurable;
- say whether a value or limit is enough or suitable; or
- suggest that a quote, cheaper insurance or acceptance is guaranteed.

If we do not know something, record "To discuss with Webber".

If something we say appears inconsistent or unclear, ask us to clarify it.

Do not request identity documents, payment details, bank details, health information or detailed personal information.

Existing schedules, policies, constitutions, venue agreements, contracts and other documents can be attached directly to Webber Insurance. Do not ask us to type out their full contents.

Stop once you have enough information for an initial broker conversation. Do not turn this into a full insurer proposal form.

Finish with:

ORGANISATION NAME

Record the organisation name exactly as provided.

ABOUT THE ORGANISATION

A factual summary of the organisation, purpose, activities, participants, location, size and other relevant details.

PEOPLE, EVENTS AND OPERATIONS

Summarise relevant employees, volunteers, events, premises, equipment, vehicles and participant information we actually provided.

Do not include sensitive personal details.

CURRENT INSURANCE SITUATION

Existing insurance, renewal timing, changes and any insurance requirements we told you about.

HELP REQUESTED

What we want Webber Insurance to review or assist with, using wording close to ours.

QUESTIONS FOR WEBBER INSURANCE

Only questions or concerns we actually raised. If none, say "No specific question confirmed yet."

INFORMATION STILL TO CONFIRM

Anything useful that remains unknown or unclear.

Do not list irrelevant information simply because it was not discussed.

DOCUMENTS WE MAY PROVIDE DIRECTLY TO WEBBER

Relevant schedules, policies, constitutions, venue agreements, contracts or other documents we mentioned.

Before presenting the summary, check that every factual statement came from us and that you have not added assumptions, recommendations, governance conclusions or more specific insurance terminology.

Provide the final summary as plain text in the chat. Do not create a file, PDF or attachment unless we specifically ask for one.

Ask us to check and correct the summary.

Once checked, tell us we can copy and paste the summary into Webber Insurance's enquiry form.

Remind us that relevant insurance schedules, policies, constitutions, venue agreements or contracts can be attached separately to the form.