Insurance Claims – Support When You Need It Most

Making a claim can be stressful, especially when your business is facing loss, damage, or liability. At Commercial Insurance Solutions, we are here to guide you through the process from first notification to settlement — with clarity, responsiveness, and practical support.

How to Report a Claim

If you need to make a claim under your business insurance policy:

1. Notify us as soon as reasonably possible
   • Contact your Commercial Insurance Solutions adviser or our claims team
   • Provide a brief summary of what happened and when
2. Provide key details
   • Policy number or business name
   • Date, time and location of the incident
   • Description of what occurred
   • Names and contact details of any third parties involved
   • Photos and documentation, where available
3. We’ll guide you through next steps
   • We will help you understand which section of your policy may respond
   • We will explain what information insurers need
   • We will assist in preparing your claim submission

What Happens Next

Once your claim is submitted:

• We will acknowledge receipt of your information
• Your insurer will assign a claims contact or team
• Insurers may request additional documentation or evidence
• We will work with you and the insurer to manage the process

Our role is to act as your advocate — helping to ensure that communication is clear, expectations are understood, and deadlines are met.

What You Should Do After an Incident

Do

• Preserve evidence where possible (e.g., photos, damaged items)
• Keep a written log of events and conversations
• Notify authorities if required (e.g., police for theft or vandalism)
• Follow any immediate safety or compliance requirements

Do Not

• Admit liability or fault
• Dispose of property or equipment before inspection (unless agreed)
• Leave risks unmanaged without discussing temporary mitigation

Common Types of Business Claims We Assist With

We help clients with a wide range of commercial insurance claims, including:

• Public & Products Liability — third-party injury or property damage
• Employers’ Liability — workplace injury or illness to staff
• Property Claims — damage to buildings or contents
• Professional Indemnity — claims arising from professional advice or services
• Tools in Transit or Equipment Loss — loss or damage to tools on the move
• Contractors All Risks — loss or damage during construction projects

Each type has its own processes, reporting requirements, and potential time limits — and we’re here to help you navigate them.

Why Prompt Reporting Matters

Insurance policies often include reporting timeframes and conditions. Delayed notification can:

• Affect cover under your policy
• Limit insurer options for investigation
• Impact recoveries or settlement outcomes

Notifying us promptly helps protect your entitlement to a full and fair assessment.

Our Commitment to You

At Commercial Insurance Solutions, we strive to:

• Provide clear, jargon-free guidance
• Be responsive and proactive throughout your claim
• Liaise with insurers on your behalf
• Help you understand your policy and entitlement

We understand that claims often arise at difficult times — and our aim is to make the process as straightforward and supportive as possible.

Contact Our Claims Team

If you need to report a claim or require guidance:

Phone: 01226 491001

We are here to support you when you need it most.