5 Steps to File a General Liability Insurance Claim

If an incident of bodily injury or damage to property occurs on-site that is caused by your business services, your general liability coverage in your contractor’s insurance can cover the medical or repair costs and legal expenses in the event of a lawsuit. However, you must file a claim to receive compensation from your insurance provider.

This blog will discuss the steps you must follow while filing a claim for liability charges against your business.

What Does the Claim Process on Your General Liability Insurance Include?

1. Inform your insurance provider

   You must contact your insurance provider at the earliest and provide them with the details of the accident and the injuries and damage it may have caused. The sooner your insurer is informed about the incident, the faster the claim process will be initiated. You can expect to receive recompensation for your insurance coverage for the payment of the associated expenses quicker.

2. Provide your general liability insurance details

   To file a claim, you must provide relevant information about your general liability insurance policy details to your insurance provider, such as:

   • Your name (as the policyholder)
   • Your current address
   • Name of your company
   • Insurance policy number
   • Coverage limit
   • Claim description
3. Clarify doubts regarding the claim process

   Suppose you have any questions regarding your general liability insurance claim for which you need specific answers. In that case, you must ask your insurance provider to be sure of what to expect from the claim process. The most frequently asked questions are:

   • The details and documents you need to provide them
   • The duration within which you can file the claim
   • The inclusions in your coverage
   • The period when you can expect to be recompensed
   • Coverage options if you face a lawsuit
4. Document interaction records

   All interactions that you may have with the aggrieved party who find you liable for their injuries and damage to property must be recorded and documented for future reference. The communication may be verbal or written. Maintaining these records can be a significant factor during the claim process and lawsuits, if applicable. Similarly, all claim-related communication with your insurance provider must be properly documented and maintained.

5. Explore options available if faced with a lawsuit

   If the party that finds you liable for its loss, injury, or damage sues you, you must consult your insurance provider to know about your options. You can then select the option that works best for you based on your involvement in the accident. The options that you may have are:

   • Accept or refuse: You may accept or deny the claim and furnish details as proof of your answer.
   • Dismiss the case: You may take legal recourse to prove that the lawsuit against you is baseless.
   • Out-of-court settlement: To avoid the expensive litigation fees, you may seek an out-of-court agreement with the concerned party.

Get Comprehensive Liability Coverage with CF&P Insurance!

For more details on how you can file a claim for general liability insurance coverage for your contracting business, contact our team today. At CF&P Insurance, we can help you select general liability insurance coverage that will ensure maximum protection for your unique needs.

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