Many business claims start with a police report because they center around the crimes of theft, vandalism, or the rarer, embezzlement. Other claims, such as storm damage or equipment breakdowns, start with your insurance company, Oliver Insurance. Read on to learn the steps to follow to file a commercial insurance claim.
- Call the police and file a report if you need to file a claim due to any crime at your business.
- Call your insurance agent. For anything other than a crime, you can probably completely file your claim the same day the event occurs. For a crime, you need to provide the official police report.
- Take photos of the crime scene or claim-worthy event while waiting for the police or your insurance agent. Do not move any items if you report a crime. The police need the scene preserved until they document it.
- Begin looking for repair people after your insurer and the police finish with your office or event location. These repair crews can’t come to visit your location until the police release it if a crime occurs.
- Contract with a certified public accountant if you file a business interruption claim. A forensic accountant can assist your business in documenting business income loss.
- Follow up with the police to obtain a copy of the police report.
- Provide the police report to your insurance agent.
Your insurance agent should contact you when the agency has your check ready, or they may directly deposit the claim amount in your checking account.
Your diligence in preparing the claim can mean the difference between a quick claim and significant delays.
Keep your Canby, OR business running smoothly with commercial insurance from Oliver Insurance. Call us today for a custom commercial policy to protect your company.