Partner

Iona Sjahadi

Iona has almost exclusively worked in defendant insurance law since beginning her career.  She jointly heads up HBA’s Casualty and Commercial practice group (alongside Courtney Steele).

Today Iona is a highly sought-after practitioner across the full spectrum of insurance related legal matters.  Iona currently acts for local and international insurers, underwriters and corporations. 

Her key practice areas are public/products liability, professional indemnity, commercial disputes, motor accident claims, workers’ compensation and recovery.   She acts for clients in civil litigation, disputes, regulatory and disciplinary matters.  

Over Iona’s career, she has acted in countless complex, multi-party, catastrophic and high value matters in various Australian jurisdictions, as well as in south-east Asia and the Pacific. She has achieved numerous wins in Court, both locally and internationally, and is trusted by clients to protect their interests in highly sensitive public interest cases.

Iona has specific expertise acting for retailers and supermarkets, hotels/short stay accommodation providers (internationally), recreational facilities, hospitality venues, strata managers, real estate agents, financial planners, accountants, mining and construction companies.

Notably, during her career, Iona has worked in-house within an Australian insurance company’s claims team, and spent numerous periods on secondment at high profile brands that self-insure.  She has managed claims from initial notification with unrepresented claimants, right through to trial/hearing at first instance and on appeal.  This background has given Iona a unique and valuable perspective into the claims management process and internal workings of insurance companies, third party claims administrators and large self-insured corporates.

Clients appreciate Iona’s no-nonsense approach to claims. She is a trusted business partner, and works collaboratively with clients on claims strategy, with a view to promoting early resolution wherever possible or desirable.  

Over the years, Iona has worked with clients during periods of legislative change and industry regulation, providing clear advice on future potential impacts. She is regularly asked by clients to provide risk management advice and claims management strategies.  

Iona is a member of the Australian Professional Indemnity Group, Women in Insurance (NSW), Women Lawyers Association and the NSW Claims Discussion Group.  She graduated with a Bachelor of Laws from the University of Technology in Sydney in 2005.

Examples of Iona's experience:
  • Acted on behalf of an insurer of a trampoline centre where a plaintiff sustained a catastrophic spinal injury and claimed damages of over $8 million AUD (Supreme Court of NSW).
  • Acted for a security guard in relation to nervous shock claims made by the family of a deceased patron.  It was alleged that the security guard was negligent whilst restraining the patron, resulting in positional asphyxiation.  The claim for damages was over AU$5 million (Supreme Court of NSW).
  • Acted for a local insurer in relation to a complex personal injury claim made in Victoria, by a passenger in a modified rail vehicle.  The plaintiff was injured during the course of his employment and received statutory benefits.  The incident occurred at a rail crossing and involved complex issues of liability, quantum and recovery (County Court of Vic). 
  • Successfully defended a complex and highly sensitive claim (plaintiff sought damages in excess of USD$2 million), brought against an international hotel client in Denpasar Court, Bali.
  • Acted for a real estate agent in a multiparty claim (17 third parties) relating to misleading and deceptive conduct, possible fraud, and negligent misrepresentation in relation to the sale of a residential property (Supreme Court of Victoria). 
  • Acted for a financial firm following a complaint lodged at AFCA where the complainant (the beneficiary of a life insurance policy) claimed $350,000 alleging that the financial firm’s authorised representative misled the holder of the life insurance policy to cancel this insurance policy. Successfully argued the complaint should be dismissed by AFCA.


Industry specific experience:

Retail

  • Successfully defended an Australian supermarket in a personal injury claim. This particular case is often referred to and cited by the Court: Woolworths v McQuillan [2017] NSWCA 202.
  • Provided risk management advice to a national shopping centre client, including contract review.
  • Successfully defended a claim for a large retailer arising from use of a faulty gas cannister which exploded, resulting in severe burns to the plaintiff (Supreme Court of NSW).
  • Advised and acted on behalf of a large retail client in relation to over 40 claims involving labour hire employees and concurrent recovery proceedings. Claims for damages in each case were in excess of AU$1 million due (NSW).


Hospitality & recreation

  • Acted for a security guard in relation to nervous shock claims made by the family of a deceased patron.  It was alleged that the security guard was negligent whilst restraining the patron, resulting in positional asphyxiation.  The claim for damages was over AU$5 million (Supreme Court of NSW).
  • Acted for a licenced venue in relation to a claim made by a patron who was “king hit” on premises and suffered a brain injury, claiming damages over AU$1 million.  There were multiple defendants (Supreme Court of NSW).
  • Acted for a licenced venue in relation to a claim where a patron was ejected by security guards for fighting in the premises, and he was subsequently assaulted outside the venue.  There were multiple defendants.  He sustained serious injuries to his back and head (Supreme Court of NSW).
  • Defended a claim against a large convention centre where the plaintiff alleged (while at a work conference), he fell down unlit stairs, resulting in a complex hip fracture with resultant psychiatric impairments. There was a concurrent workers’ compensation claim brought in another State, and damages claimed were in excess of AU$2 million.  The case was successfully defended (Supreme Court of ACT).
  • Acted on behalf of an insurer of a trampoline centre where a plaintiff sustained a catastrophic spinal injury and claimed damages of over $8 million AUD (Supreme Court of NSW).
  • Acted for a recreational horse-riding business in defence of a claim involving a minor who fell off a horse and sustained a traumatic brain injury (Supreme Court of NSW).
  • Advised a hotel client in relation to disclaimers and risk warnings.
  • Acted in defence of a recovery claim against the manager of a large convention centre in Melbourne, Victoria, where it was alleged that the floor of the convention centre was significantly damaged by water following an ice hockey game.


CTP

  • Acted for a local insurer in relation to a complex personal injury claim made in Victoria, by a passenger in a modified rail vehicle. The plaintiff was injured during the course of his employment and received statutory benefits.  The incident occurred at a rail crossing and involved complex issues of liability, quantum and recovery (County Court of Vic).
  • Successfully defended a claim against a local CTP insurer in relation to a claim made by a minor who sustained a severe brain injury and amputation as a result of alleged negligence of the driver (Supreme Court of NSW).
  • Acted for a local insurer in relation to a claim involving three children who were all passengers in a vehicle when they sustained serious life threatening injuries, including brain injuries, amputations and spinal injuries. There were eight associated nervous shock claims (Supreme Court of NSW).


Hotel & short stay

  • Successfully defended a complex and highly sensitive claim (plaintiff sought damages in excess of USD$2 million), brought against an international hotel client in Denpasar Court, Bali.
  • Acted on behalf of a short stay accommodation provider in relation to personal injury claims in Thailand, Saipan and Indonesia.
  • Advised a short stay accommodation provider with respect to a fraudulent claim involving property damage and theft (Victoria).
  • Acted for a hotel client in both civil and criminal proceedings related to a food poisoning event (NSW).
  • Acted on behalf of a hotel in a litigated slip and fall case brought in French Polynesia.
  • Investigated and prepared risk management advice with respect to a fatality of a child at a New Zealand hotel.
  • Acted for a hotel client in relation to numerous intentional tort claims arising in Fiji.


Real Estate

  • Successfully defended a claim made by a tenant against a real estate agent in Victoria, for injuries sustained at a residential premises: McKenzie v Charles Stewart & Company Proprietary Limited (trading as Colac Rental Management) [2024] VCC 429.
  • Acted for a real estate agent in Supreme Court proceedings brought by a tenant in Canberra, ACT, in relation to an alleged electrocution injury resulting in a traumatic brain injury.
  • Successfully defended a claim brought by a tenant against a real estate agent in relation to a trip and fall injury sustained within the property. The claim was successful against the owner but failed against the agent due to the robust defence (Victoria).
  • Acted for a real estate agent in a multiparty claim (17 third parties) relating to misleading and deceptive conduct, possible fraud, and negligent misrepresentation in relation to the sale of a AU$3 million property (Supreme Court of Victoria).


Financial Planners

  • Acted for a financial firm in an AFCA complaint where the complainant sought over $50,000 on the basis that the representative conducted five unauthorised share trades on behalf of the complainants’ SMSF and failed to deliver the agreed services under the service agreement. Successfully argued the losses caused were minimal leading to a minimal award for the complainants of $1,000.
  • Acted for a financial firm in an AFCA complaint where the complainant claimed $40,000 after she was advised by the financial firm’s authorised representative to roll over her superannuation funds to a new fund, where she suffered significant losses.  Successfully argued the financial firm had not breached the duty it owed to the complainant, and found in favour of the financial firm.
  • Acted for a financial firm following a complaint lodged at AFCA where the complainant (the beneficiary of a life insurance policy), claimed $350,000 alleging that the financial firm’s authorised representative misled the holder of the life insurance policy to cancel this insurance policy. Successfully argued the complaint should be dismissed by AFCA.


Construction

  • Acted for a head contractor on a building site in relation to a claim made by a worker onsite who sustained serious spinal injuries following fall down a penetration/hole onsite. The plaintiff had a concurrent workers’ compensation claim and claimed damages over AU$3 million (Supreme Court of NSW).
  • Acted for a scaffolding company in a multi-party litigated personal injury claim. The plaintiff was a worker onsite who sustained a head injury (Supreme Court of ACT).
  • Acted for a certifier in a multi-party claim brought by homeowners who alleged there was a negligent issuing of a Bush Fire Assessment Certificate (Supreme Court of NSW).


Mining

  • Acted for a large mining company in relation to a catastrophic accident onsite, including advice in relation to various contractual and insurance issues and defending the nervous shock/compensation to relatives actions (Supreme Court of NSW).


Recoveries

  • Advised a large retail client in relation to an indemnity dispute where the workers’ compensation insurer sought to recover over $500,000 pursuant to s151Z Workers’ Compensation Act in circumstances where a third-party claim was not made by the injured worker and there was a significant liability dispute (NSW).
  • Acted in a subrogated recovery action to recover stolen funds from an ex-employee of a real estate agent, including obtaining judgment against her for repayment of the debt (NSW).


Insurance coverage

  • Advised underwriters on contamination exclusions in the policy, in response to a negligence and breach of contract claim made by the owner of a property against the insured real estate agent, arising from the tenant allegedly polluting the owners’ land by allowing the storage of asbestos. The clean up was estimated at AU$3 million (Victoria).
Why clients like her

While Iona is a strong litigator and negotiator, clients appreciate her commercial mindset and balanced approach to the management of claims and disputes.  

Iona
Iona

Iona’s areas of expertise

Catastrophic Injury Claims
Catastrophic Injury Claims

Catastrophic injury claims involve the severely injured, such as quadriplegics, paraplegics and those with severe brain injuries. These types of claims require…

Compulsory Third Party
Compulsory Third Party

HBA provides CTP legal defence to licensed insurers and scheme agents in Western Australia, Victoria, Queensland and New South Wales.  We combine…

Coverage Disputes & Investigations
Coverage Disputes & Investigations

Disputes over insurance coverage require careful, technically informed legal strategies. Our coverage disputes and indemnity expertise assists insurers and self-insured entities with…

Directors & Officers Liability
Directors & Officers Liability

We act in claims arising from alleged mismanagement, breach of duty, or governance failures; ASIC, ACCC and other regulatory investigations; shareholder disputes…

Employment Practices Liability
Employment Practices Liability

For small to medium enterprises and private companies, we advise on claims involving unfair dismissal, bullying, harassment, discrimination.

Financial Lines
Financial Lines

Our national Financial Lines team is highly respected by insurers, brokers, corporate clients, executives, and professionals. We act in matters involving financial…

General Liability
General Liability

While public liability, product liability, and property damage represent major segments of the general liability landscape, many other claims fall into specialised,…

Motor Vehicle
Motor Vehicle

We act for various insurers in the defence and management of motor vehicle claims across Australia, including personal injury (CTP) and property…

Product Liability & Recall
Product Liability & Recall

A serious safety issue with a children’s toy; faulty building products; food contamination issues… whatever the specifics of your product liability issue,…

Professional Indemnity
Professional Indemnity

When it comes to professional indemnity matters, our team has complete appreciation that these claims are almost always complex and sensitive. HBA…

Property Damage Liability
Property Damage Liability

HBA’s experience includes both large loss and small property damage claims. Insurers, self-insureds and corporations have come to rely on HBA for…

Public Liability
Public Liability

HBA Legal has unparalleled experience right across the casualty arena, in all States and Territories across Australia. Our track record extends to…

Recoveries
Recoveries

On average, 15% of a general insurance claims book represents a missed recovery opportunity. At HBA, recoveries are a forethought not an…

Workers’ Compensation (state)
Workers’ Compensation (state)

The HBA team that specialises in state-based workers’ compensation schemes has been known and trusted by self-insureds, government agencies and insurers for…