We always hope that you’ll never experience a loss, but occasionally it does happen. This is why we insure our valuables in the first place.
In any case of emergency where life is in danger or at risk, immediately call 911. If your community does not support 911, call your local police or fire department.
Following any loss, you’ll need to contact us as soon as practical so we begin with getting your affairs back in order. Make sure you have the following information available to facilitate the reporting and claims process:
Survey for damage and safety hazards such as live wires and gas leaks. If any of these hazards are found, keep away and contact an appropriate professional immediately. Take steps to mitigate further damage by covering broken windows and torn roof coverings, separating damaged from undamaged business personal property and preventing mold by drying and dehumidifying damp/wet areas. Whenever possible, retain damaged items for an adjuster’s inspection and evaluation. Take photographs of any damaged business personal property prior to removal. Make a list of damaged items and include their age and current value. If possible, have receipts for these items available for the adjuster.
When a loss is reported during regular business hours, the claim will be set up immediately and the insured will be contacted within 24 hours. For after-hours calls, the claim information will be taken (voicemail) and if necessary, a claims adjuster will contact you to provide further direction. All losses will be promptly assigned to an approved independent or company assigned adjuster. All adjusters will have necessary licenses and certifications as required by the Province of Ontario. Please note that adjusters work on behalf of the insurance company, not the broker. Every effort will be made to have the assigned adjuster contact the insured within the first 48 hours of reporting the claim, and an inspection of the damage will be scheduled at the earliest possible time. We pledge to work diligently on each and every claim in order to reach a fair and timely resolution.
Lessen the potential for losses and interruption of your business by implementing some simple risk management checks. Reducing losses can help to keep your insurance costs from rising while keeping your property safe. Here are a few tips to help reduce your chance of risk.
Implement a mandatory trailer insurance policy for your customers. Ask your permanent trailer owners for proof of liability insurance for their units.
Regularly remove snow accumulation on roofs of buildings to alleviate the chance of collapse and water damage. Consistent maintenance of roofs, decks and plumbing can eliminate many types of losses. Remove keys to machinery and unlicensed vehicles from the vehicle when not in use and keep in a safe place.
Have questions or concerns?
Contact us today, we’re here to help.