Business insurance claims
What to do when something goes wrong, and how to make a claim go smoothly.
5 articles
Newest first
How to file a business insurance claim
Make the scene safe, photograph it before anything is cleaned up and call your insurer the same day. Don’t admit fault, don’t pay anyone yourself and keep a log of every call.
Claims10 min read
What are loss runs, and why do insurers ask for them?
A loss run is a report from your insurer listing every claim on your policy, with dates, amounts paid and amounts set aside. New insurers ask for one to see your real claims history.
Claims8 min readWhat to do after a data breach
Take affected systems offline without turning them off or wiping them, call your cyber insurer before you hire anyone and get legal advice on who you have to notify. Every state has its own breach notification law.
Claims10 min read
What to do when a customer is hurt at your business
Get the person help, make the hazard safe, save the evidence and tell your insurer the same day, even if they walk out saying they’re fine. Be kind, but don’t admit fault or offer to pay.
Claims9 min read
What to do when an employee is hurt at work
Get them medical care, report the injury to your workers’ comp insurer the same day and check your state’s deadline. A death must be reported to OSHA within 8 hours, and an in-patient admission, amputation or eye loss within 24.
Claims10 min read
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