There are a number of steps, which must be taken immediately in the event of a claim.
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. For example:
Call the fire brigade, ambulance, police or other appropriate emergency service
Providing no danger to life or limb is involved, ensure the safe removal and storage of vital business records
Remove property which is exposed to further damage to a more secure place if possible
If during business hours, ensure the evacuation if necessary, of staff and neighbours
If critical machinery fails, commence investigations to locate replacement plant or services
Have a security company install boarding over smashed windows and if appropriate, employ an overnight security watchman
Whatever the circumstances of the incident, do not admit liability EVEN IF YOU THINK YOU WERE AT FAULT your insurer may be 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
Report the incident to the Insurer or your broker by telephone or email – wherever practical, within 24 hours of the incident.