An insurance policy is effectively a promise to pay. However, the true test comes when a claim arises. At this important time, that is when you need a service that is as efficient as it is effective and that is exactly what we aim to provide. Everything about our approach to handling claims is based on a straightforward premise – we treat each claim with the same care and attention as if it were our own. So you can expect to be kept closely informed every step of the way. The advice we give is designed to combine rigorous attention to detail with an appreciation of the wider business picture.
Claims
Claims Procedures
While every claim is different, there are some common processes you can follow to ensure a claim is promptly notified to Lockton and your insurer(s) that will help expedite the process as quickly as possible. It is impossible to give specific guidelines for every claim, simply because of the nature of accidents claims cannot be predicted and they do not follow set patterns. However, the following general procedures for various major classes of insurance can be relied upon to cover most circumstances. For any other claim involving other classes of insurance, contact us without delay.
General steps, which must be taken immediately in the event of any claim:
1. Whatever the circumstances of the incident, do not admit liability even if you think you are at fault. Your insurer is entitled to deny a claim or pay a reduced amount if statements made by you or your employees prejudice the insurer’s position.
2. Report the incident to us, wherever practicable, within 24 hours of the incident.
3. Immediately do whatever is necessary to prevent further loss. For example:
• Call the fire brigade, ambulance, police or other appropriate emergency service.
• If during business hours ensure the evacuation, if necessary, of staff and neighbours.
• If critical machinery fails, commence investigations to locate replacement plant or services.
• Have a security company install boarding over smashed windows and, if appropriate, employ an overnight security watchman.
• Remove property that is exposed to further loss or damage to a more secure place if possible.
• Providing no danger to life or limb is involved, ensure the safe removal and storage of vital business records.
4. Immediately document as many details of the incident and resulting loss as possible. If possible, take photos of damages and loss circumstances as supporting information for insurers.
5. Complete all claims documentation as soon as practicable and forward to us with any supporting documents and images.
Electronic claim forms currently available:
Claims Management
An insurance policy is effectively a promise to pay. However, the true test comes when a claim arises. At this important time, that is when you need a service that is as efficient as it is effective and that is exactly what we aim to provide. Everything about our approach to handling claims is based on a straightforward premise – we treat each claim with the same care and attention as if it were our own. So you can expect to be kept closely informed every step of the way. The advice we give is designed to combine rigorous attention to detail with an appreciation of the wider business picture.
Dedicated claims specialists are involved in each major new placement, right from the outset. As an integral part of the account team, they have a close knowledge of your insurance situation even before a claim arises – so when it does, they are in a position to act swiftly and decisively. Their day-to-day remit is to prepare detailed claims manuals, instructions and disaster plans for client firms.