Claims happen when you least expect them!  Claims take your time, disrupt normal business operations, may prevent access to your premises costing you customers or employees, threaten your business assets and reputation, and increase future insurance premium costs. 

American Insurance agents can help you prepare in advance to reduce serious claims and make a plan to efficiently report, document and manage your claims.

BEFORE A CLAIM:  First, spend quality time with your American Insurance agent to…

• Review your business operations in detail to secure the right insurance coverage needed to protect you from financial loss.
• Identify your loss exposures which typically includes: Commercial General Liability, Property Insurance (buildings, business property /stock /inventory /tools), equipment floaters/inland marine), Loss of Income, Crime & Employee Dishonesty, Business Auto, Workers Compensation Insurance (if you have any employees).
• Adopt risk management methods that your Agent recommends, to reduce claims in every area of exposure.  We have claim forms, procedures, accident checklists, and other resources for you, like…
  • Liability Loss – Accident Report Form, Slip/Fall Prevention in Winter
  • Property Loss – inventories, receipts and pictures of special value property
  • Employee Dishonesty – Controls & Policies
  • Business Auto – Vehicle Employee Use Agreement, Auto Accident Report Guide
  • Workers Compensation – ID & WA First Report of Injury
  • Equipment maintenance, service or repair – Tag-Out Program
  • Risk Transfer - By Contract
  • Certificates of Insurance – What you need to know
• Review all insurance policies at least annually with your Agent. Communication is the key to keeping the right coverage and avoiding an uncovered loss.  
• Get organized with internal claim procedures and written documentation of your property details, inventories, and pictures of items of special value.
• Promptly report any changes to your business operations to your Agent.

Together, you and your American Insurance agent, can minimize claims and make them easier to manage when they happen. Contact Us for more information.

See related story - BUSINESS INSURANCE: After a Claim