To Report a Liability Claim

To Report a Liability Claim

When reporting a liability claim, it is important to remember that there are (3) types of liability claims. The key to successful reporting is to properly identify which type of liability claim you are reporting when you begin your call.

Suggested Steps: Use the following helpful hints to help identify the type of General Liability claim you are reporting.

Products Liability

Injury to a person or damage to property (other then property owned by the Insured) which was caused by a product YOU manufacture or distribute or food poisoning allegations stemming from a food product you manufacture or distribute.

IMPORTANT!
SAVE THE PRODUCT INVOLVED FOR INSPECTION
DO NOT DESTROY

Slip - Trip or Fall

A person (other than an employee) slips, trips or falls on property you own or are responsible for.

IMPORTANT!
ADDRESS ANY HAZARDOUS SITUATION IMMEDIATELY.
DOCUMENT ALL FACTS REGARDING ANY INCIDENT

Other Liability

A claim for injury or property damage to others that does not fall within the above (2) scenarios , e.g.:

  • a box falls from a shelf and strikes a customer
  • a customer claims libel or slander
  • a shopping cart damages a customer's vehicle
  • virtually any other allegation of negligence

Use the Liability Telephone Reporting Guide and telephone worksheet as a reference. The terms requested under "Account Information" and "Accident Information" will differ depending on which type of liability claim you are reporting. The remaining information collected is generic for all Liability claims.

Worksheets are provided for your convenience in gathering information. It is not necessary to write answers to questions you know, it is a tool to help reduce the amount of time you are on the telephone and to give you an easy place to collect information.

Remember, the objective is to report the claim quickly. Try to gather as much information as possible, but don't worry if you do not have the answers to each and every question.

Our Customers Say

Jacquelynne Maloney at the Tonry agency has helped us immeasurably navigating the bonding process.  She took the time to get to know us and develop a complete picture of our company, our goals and objectives, our capabilities, our needs and the history of our company.  Her knowledge of the market allowed her early on to recognize what program would work for our company.  Other bonding agencies simply asked for a copy of our financial statement, balance sheet and work on hand.  They appeared to have no interested in whether we were making cupcakes or nuclear missiles.  Jacquelynne took the time to get to know us personally.  To her we were more than just our financial statement.

President

Richardson Electrical Company, Inc.

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