Despite your commitment to risk management and proper procedures to protect yourself, claims can happen. When an incident occurs, avoid the panic. Save this article to ensure you remember how to respond to a claim correctly and efficiently if the time comes.
Decide to file a claim.
It can be difficult to gauge which incidents will amount to a costly settlement and which will not. It is often best to err on the side of caution and report every incident to your claim specialist, even if the incident is minor.
Ask yourself: Does the situation have the potential to escalate into a major claim?
Prompt claim reporting leads to better outcomes for you. Memories will be fresh, and evidence will be available to help your case. In short, prompt reporting: • saves time and money. • better protects you. • reduces worry and stress.
Ask yourself: Will I remember the details of this incident weeks or months from now if I do not report it now?
Compile necessary information.
The more thorough the information you compile from the start, the more efficiently your claim will likely be settled. Collect this information before you file: • copies of incident reports, witness reports, photographs, videos, and other documentation • your insurance policy number • contact information for yourself • contact information for any involved parties and claimants
Ask yourself: Could this information be helpful in settling the claim?
Submit your claim.
The insurance carrier will work with you to file your claim. If you know your policy number, you can contact your carrier directly to begin the claims process.
Once you reach out to the claims team, they will assign a claims adjuster. The adjuster will review your claim and interview any involved parties. It may take 24–48 hours to hear back from the adjuster.
Ask yourself: How long has it been since the adjuster was assigned? Do I need to follow up?
After the claims adjuster settles the claim, you will receive payments.
Ask yourself: How can this situation be avoided in the future? What can I do to reduce the odds of experiencing a claim like this again?
Claims Support from Lockton Affinity Health
Claims can be stressful and worrisome. But with guidance and support from Lockton Affinity Health, an NBCC partner, you can handle the incident and get back to serving your clients.
If you have any questions before reporting a claim, call Lockton Affinity Health’s dedicated customer service representatives at (800) 253-5486. We will help ensure you have compiled the correct information and provide the contact details for your policy’s specific claims team.
Learn more about the claim reporting process today by contacting Lockton Affinity Health at (800) 253-5486 or by email.
The Lockton Affinity Health Insurance program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. Sponsors may receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law. Not available in all states.