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Claims Handling

To complement the careful planning in establishing your insurance program, it is obvious that in the event of an incident which will or may give rise to a claim, a procedure must be adopted for the proper and expeditious conduct of the claim.

By carefully following this procedure, the impact on your business operations will be minimized.

There are number of steps which must be taken following a loss:-

Report the incident to the BJS INSURANCE BROKING office that looks after your insurance program, by telephone, facsimile or email – wherever practical, within 24 hours of the incident.

Regardless of whether or not the claim has been reported or a loss assessor appointed, you must immediately do whatever is necessary to prevent further loss of life or property damage.

  • Whatever the circumstances of the incident, DO NOT ADMIT LIABILITY EVEN IF YOU THINK YOU ARE AT FAULT.
  • Your insurer is entitled to deny a claim or pay a reduced amount if statements made by you or your employees prejudice the insurer’s position.

It is impossible to give guidelines for procedures in every claim, simply because of the nature of accidents:

  • They cannot be predicted
  • They do not follow set patterns

However, the general procedures for various major classes of insurance detailed above, can be relied upon to cover most circumstances. For any other claim involving other classes of insurance, please always contact your BJS Insurance Brokers office without delay.

Find out more about Claims Management

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