Claims

If a loss occurs, please follow the below steps:

Property Claims

In the event of damage to your building or contents:

  1. Protect the property from further damage:
    1. Call the proper authorities and utilities (gas, electric, telephone).
    2. Take photos of the damage before having emergency repairs made, such as boarding up windows or covering holes in the roof.
    3. If theft or property, contact police.
  2. Call a contractor to estimate the building damages.
  3. Separate damaged contents from undamaged contents. Do not discard any items until the claims adjuster gives you the authority to do so.
  4. Keep records of expenses if you are forced to temporarily relocate your business.
  5. Do not authorize repairs until the claims adjustor has given you the authority to do so.

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you by phone or mail to discuss the loss;
  2. Arrange for an appraiser to inspect extensively damaged property;
  3. Assist you with your choice of contractors to make the repairs; and
  4. Contact you for settlement.
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Auto Claims

In the event of an accident:

  1. Report the accident to the police.
  2. Obtain information about the other people involved in the accident such as:
    1. Names, addresses, and phone numbers;
    2. Insurance company;
    3. Type of vehicle; and
    4. Auto and drivers license numbers.
  3. Have your vehicle towed to the nearest repair shop if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.
  4. Call us to report the accident.

In the event of a windshield, vandalism, or theft loss:

  1. Report the vandalism loss or theft to the police
  2. Call us to report a loss.

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to request details of the accident and repair estimates.
  2. Arrange for an appraiser to inspect the damages of vehicles that not drivable or extensively damaged.
  3. Contact you for settlement.
  4. Deal directly with the others involved in the accident.

You should not talk to others involved in the accident, but refer them to your claims adjuster.

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Workers’ Compensation Claims

In the event an employee is injured on the job:

  1. Complete the Employer’s First Report of Injury or Disease form for all claims. Either use the call in reporting system or fax the original form. The insurance company will send a copy of this form to the State Department of Industry, Labor and Human Relations on your behalf.
  2. Please forward a copy of the First Report immediately to us in the event of a disabling injury or death claim. We will follow up with the insurance company for their prompt handling of the claim.
  3. Contact your Insurance if you have any questions regarding the status of a claim.

After you report the claim to our office, the claims adjuster will:

  1. Contact the injured employee to discuss the accident.
  2. Request copies of bills and doctors’ reports for medical treatment administered.
  3. Contact the employer, if there is a ny lost time from work as a result of the injury.
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Liability Claims

In the event of injuries or damage to property of others which you allegedly caused:

  1. Call us to report the claim.
  2. Forward any correspondence including a summons from an attorney representing the other party
  3. Do not discuss the claim with the other party or their attorney. Refer them to your insurance company’s claims adjuster or us.

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to discuss the incident that allegedly caused the injury or damage to the property.
  2. Deal directly with the other party and/or attorney to handle the claim.
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Business/Commercial Claims

CNA 1-877-262-2727

Crum & Forster 1-800-690-5520

Hanover 1-800-628-0250

The Hartford 1-800-553-1710

Harleysville 1-800-892-8877

Merchants 1-800-322-8608

One Beacon 1-877-434-3900

Peerless 1-877-248-4968

Proformance 1-877-725-6423

Progressive1-800-776-4737

Selective 1-866-455-9969

St. Paul/Travelers 1-800-238-6225

Zurich 1-800-987-3373

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Personal Claims

Andover 1-800-225-0770

AIG 1-877-399-6442

Chubb 1-800-252-4670

Cumberland 1-800-232-6992

Encompass 1-800-588-7400

FMI 1-973-948-3120

Hanover 1-800-628-0250

Harleysville 1-800-892-8877

Mercury 1-800-987-6000

NJ Skylands 1-866-279-7688

Palisades 1-877-725-6423

Peerless 1-800-522-7152

Proformance 1-800-298-5742

Selective 1-866-455-9969

Travelers 1-800-252-4633

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Claims Resources

When you call, a claims customer service professionals will talk to you about your loss and assign your claim to the most appropriate expert. The sooner you call, the sooner we can help. Please have as much information as you can available when you call so we can help you better.

To help you we have prepared this claims reporting worksheet that you can download:

Claims Reporting Worksheet .PDF

When you call to report your loss, the claim professionals are trained to capture complete and accurate information so you can feel confident that the details of your loss will be obtained. And remember, the sooner you call to report your loss, the sooner we can help you get back on the road.

I don't have all the information needed to report my claim. What should I do?

You should report your claim as soon as possible, even if you don't have all the necessary information. The faster you report your claim to us, the sooner we can start handling your claim. You will also be in contact with your claim representative throughout the entire claim process so you can always update information.

How long will it take to settle my claim?

The first step is up to you. The faster you report your loss using the toll-free claim reporting number, the faster we can begin handling your claim without delay. Each claim is different and therefore the length of time needed to settle your claim depends on many factors. The type of claim, severity of the damages and other circumstances will all determine the time it will take to settle your claim. Your Travelers claim representative will help you through each step of the process and can answer any questions you have about your claim.

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