How To Make A General Liability Claim

​Many small business owners believe they will never need to file a claim when purchasing general liability insurance. Accidents do happen, and individuals make errors. Unexpected events might result in personal injury or property damage.

Due to the frequency of general liability claims, business owners should be aware of the claims-filing procedure. You must know when, how, and what happens when you file a claim. Learn more about handling general liability claims for your company and other topics.

Reporting A General Liability Claim
These should be your priority if someone has suffered an injury that requires medical attention or if a crime has happened that necessitates making a police report.

You should report your claim as soon as possible when those difficulties have been resolved. This step ensures that your insurance can appropriately defend you and manage the claim against you. Many states require you to respond to a lawsuit within a certain time, usually 20 days, or you will be subject to a default judgment.

Filing A Claim For General Liability Insurance
If something unexpected occurs, follow these steps to file a claim on your general liability insurance coverage.

1. Contacting your agent or insurance is the first step
   Claim-reporting procedures differ by the insurer, although many include a phone number and an online form for filing claims. If you file your claim over the phone, you'll certainly be requested to produce a written report.
   
   
2. Information about your insurance policy
   Include your firm's name and address, the preparer's name and contact information, your policy number, and details about the loss. Your insurance provider needs to know all the accident details so they can pay you for the damage.
   
   
3. Injuries
   Anyone hurt should include their name, address, and contact information. You'll need to describe their injury and the medical facility where they were treated and their attorney's name if they have one.
   
   
4. There has been property damage
   You'd need to supply the property owner's name, address, and contact information if the accident caused damage to someone else's property. The insurance provider will also want to know what kind of property was damaged, the extent of the damage, and any witnesses' names and contact information.
   
   
5. Provide your contact information
   To report a claim, you'll need to provide information to your policyholder. The information must include your name, address, phone number, policy number, kind of coverage, policy limitations, and more. Your insurance company will require your contact information and the best time to contact you.

Takeaway
Even if you do not intend to file a claim, you should inform us as soon as possible if an incident occurs. If the aggrieved party decides to initiate a lawsuit later, there are numerous advantages to recording and freezing the facts.

At Leigh Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (904) 826-0799 or Click Here to request a free quote. The coverage discussed in this article is not guaranteed. Please call our agents, we are happy to help you learn more about your plan and make sure you have the coverage you need.