Property Claims

As soon as possible, contact our office during normal business hours or your insurers 24 hour claims line if it is an emergency.  Make reasonable and necessary repairs to protect your property from further damage or loss. Keep a record of repair costs and retain receipts for any expenditures. If the loss involves theft or vandalism, notify the police immediately

 Public Liability

If you are served with legal papers claiming something covered by your insurance contact our office immediately.  There are certain time constraints related to legal papers and your insurer will need to act immediately on your behalf.  Do not admit fault to anyone else, either verbally or in writing. Talk to your insurer first.

I've received a letter making a claim against me for an injury/loss. What should I do?

 DON'T reply to any correspondence from anyone making a claim against you. Pass the letters directly to your insurers and a formal reply will be sent on your behalf

Should I report an accident even if a claim hasn't been made yet?

You should report to your insurers any event that could result in a claim. This will give them an opportunity to gather and examine evidence before it is lost or memories fade.

If a member of the public is injured on your premises, and that person is taken to hospital as a result of the injury, you should notify your insurer as soon as possible..

Products Liability

If you receive an allegation of injury to a member of the public, or damage to their property, as a result of an alleged defective product supplied, you should notify us immediately.  It is important to distinguish between a complaint and a formal claim.  A complaint is normally only a request for a refund of the cost of a product or for the supply of a replacement product.  This cost is not coverd under your policy, and does not need to be notified to your insurer.  A claim is where consequent injury or damage has been alleged, and should be reported as soon as possible.

Your insurers will need such information as the exact specification of the product, a copy of any instructions issued with the product and documentation confirming the outcome of any internal investigation you may have carried out.  If the product has been return to you, you should retain the item as evidence.  Insurers may wish to inspect the product and/or take photographs of it.

Again, no matter what type of claim occurs, DO NOT admit liability nor negotiate any settlement either in writing or verbally.

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