Most businesses only make a significant claim a handful of times. When it happens, the pressure is real and the instinct is to act fast. Acting well matters more. This is the sequence we encourage clients to follow.
1. Make people safe
If anyone is injured or in danger, call 000 first. Nothing about an insurance claim is more important than people.
2. Limit further damage, sensibly
Take reasonable steps to protect property from further loss: make a site secure, cover exposed areas, isolate water or power if it is safe to do so. Keep receipts for emergency costs. Do not start permanent repairs or dispose of damaged items before talking to us, because the insurer may need to inspect them.
3. Report to the police where required
Theft, malicious damage and any incident where the law may have been broken should be reported to the police. Note the event or report number.
4. Do not admit liability
If a third party is involved, be courteous and exchange details, but do not admit fault or promise payment. Statements made in the moment can complicate how a claim is handled. Refer any demands from third parties to your broker.
5. Record what you can
Photos and video of the scene, the damage and any relevant conditions, taken before anything is moved, are invaluable. Note names of witnesses and the time of events.
6. Call your broker
Tell us as soon as possible, even if you are unsure whether a claim is covered. Late notification is one of the most common avoidable problems. We will explain what the insurer is likely to need and help you prepare it.
Workplace injuries to employees are reported through your state workers compensation process, which has its own requirements and timeframes. We can point you to the right place.