No one likes having to file an insurance claim because it means something bad has happened, something that frequently has consequences beyond just the financial ones. Still, it’s an important part of the process of getting back on track after an unexpected problem comes up because insurance is there to buffer the financial burden caused by various kinds of business risks. If you have never had to do it, filing a business insurance claim can seem daunting, but your insurance broker is there to help you through it. The key is breaking it down into a couple steps.

Claim Forms

Filling out the initial claim form should not be too difficult, because it usually just involves confirming your identity and policy information, then narrating events. That narrative is vital, though, so before filling out the form you should take some time to plan how to approach the topic with evidence.

Evidence for Claims

For many common forms of coverage, evidence is easy enough to acquire. Property insurance frequently accepts photographs of damage, with visits from an insurance representative if a deeper site assessment is needed. Liability coverage often accepts medical documentation of the accident and treatment by a doctor qualified to diagnose the injuries. If necessary, ask your point of contact with your insurer about what they look for.

Discuss Your Evidence

Build the claim narrative around the evidence so it is easy to identify how it supports the claim. That approach makes filing a business insurance claim as straightforward as it can be, given the circumstances.