Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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business insurance claimsFiling a business insurance claim can be a very difficult job, so if the need to file one does emerge, business managers and owners should be prepared with the knowledge of how to do so.

Whether it’s a crime that occurred at your place of business, a fire, a flood or other force of nature, an accident or an injury to an employee, business insurance is purchased and used for these uncommon risks.

Save on your current policy by comparing business insurance rates among all the major insurance companies. Use our FREE quote comparison tool to find the best available rates on business insurance coverage.

How To File A Business Insurance Claim

Filing a business insurance claim involves these three steps:

  • Planning
  • Reporting
  • Follow Up

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1. Planning Ahead

When dealing with a business, it’s crucial that owners and managers have a proper plan in place in case something unplanned does occur. This is called risk management, and it is the reason for business insurance policies.

Business owners should always have a “disaster plan” in place in case of an emergency, and all employees should be trained and well-versed in emergency procedures and how to report an emergency. Learn how to manage business insurance risk properly and you will be properly prepared for any unfortunate circumstances.

Tips For Planning:

– Purchase A Digital Camera For The Workplace

pictures business insurance claims

Cameras are the number one way to record an insurance claim. The adage “a picture is worth a thousand words” applies to this practice when submitting a business insurance claim.

If you have a large business, you should have more than one digital camera, and if you have a transportation side to the business, make sure the drivers or cars are equipped with digital cameras.

Train your employees to take photographs of any event that has the potential to become an insurance claim. Don’t forget to make sure the cameras are charged.

– Surveillance Cameras

Install surveillance cameras that record digital images for long periods of time (at least 30 days).

– Uniform Written Report Forms

Instruct employees and managers how to correctly fill out uniform reports (also known as incident reports). Have
the forms in a well-known place so employees can access them in a timely manner.

– Mock Drills

Similar to fire drills held at schools, managers or safety committee members should run mock disaster drills for employees.

– Regulatory Compliance

When business owners abide by state or federal agency safety guidelines and regulations, the disaster planning and documentation happens by benefit of regulatory observance.

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2. Reporting

Immediately report occurrences and incidents such as accidents, storm or weather damage, employee injuries, fires or any other disturbance. If you fail to report incidents in a timely manner, you may not be able to file a claim and it could invalidate any business insurance coverage your business has.

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Reporting Steps:

– Report to Law Enforcement and Authorities

report insurance claim to authorities

Always report the proper authorities, whether it is the police or fire department, immediately. When preparing the incident, report that law enforcement or the proper authorities were contacted. Make sure that all important contact and emergency numbers are readily available to employees by posting them in well-known areas throughout the building.

– Contact Your Insurance Professional

Insurance representatives will assist you when you are filing a business claim. When you first contact the insurance agency, the representative or agent will take down the needed information and begin preparing what’s known as an “Accord” claim form. The Accord claim is then sent to the insurer. Be sure to be clear with the agent about dates, times and all other relevant information relating to the claim.

– Contact Your Insurer

When the claim form gets to the insurance company, it will be assigned to an in house or independent adjuster. The assignment usually happens within 24 to 72 hours, so the business owner or manager should attempt to make contact with the insurer within this time frame. You are to give all photographs, incident reports and any other information relating to the claim to the adjuster as evidence. This is where having digital photos is beneficial, as you can immediately transmit the pictures to the adjuster.

– Contact Professionals to Assess and Repair Damage

After contacting the insurer, you should begin to get estimates on damages or any repairs that will be needed. You can do this rather quickly, as most repairs that are essential to running a business do not need the “permission” of the insurer to be fixed. Be sure to get several estimates from reliable, reputable companies and hold on to any damaged parts or items — the insurer requires proof of damage and repair to any property.

– Contact Competent Legal Counsel

You may want to contact the businesses legal counsel so they can put together a complete claims package to give to your insurer. Legal counsel who represent businesses are well versed in what to look for know how to deal with insurance companies and can make filing a business claim an easier process for all involved. If there is a problem pr dispute with the claim during the process, the investment in a lawyer will be repaid to the business.

– Contact Competent Accounting Assistance

You will need to consider hiring a forensic accountant at the start of a claim if it involves a business interruption or loss of income. They are retained in order to present the loss to the business’s insurer.

3. Follow Up

Failure to properly follow up with a business insurance claim may result in a delay of the claim’s resolution. When dealing with your adjuster, follow the deadlines they set (if any), make specific times for phone calls with the insurer or to complete the tasks the claim requires. Don’t be afraid to insist that your insurance adjuster takes an active role in assisting you with the successful resolution of your business insurance claim.

Be sure your not currently overpaying for your business insurance. Compare rates online with our FREE insurance quote comparison. Take a few moments to save money on your business insurance policy. Enter your zip code below!