Your business just suffered an accident: someone or something caused damage to your property or building, an employee was injured or a visitor got hurt at your place of business. As a business owner, it’s the worst feeling and so many different emotions start running through you. Your first priority is to remain calm and ensure everybody’s safety. Also consider your business and what is at stake. What can you do to reduce the impact of this incident? Timeliness in reporting and a prompt claim investigation are critical when a claim occurs and can help protect your business from experiencing any further losses.
Here are some steps to consider after an incident occurs:
- First, take steps to see that an injured employee or visitor receives emergency medical treatment if necessary. For property losses, take reasonable steps necessary to help mitigate losses and prevent any further damage.
- Contact your independent insurance Agent and/or Acadia as soon as reasonably possible to report the loss. You may call 800-691-4966 for emergencies that occur outside of normal business hours. Once the loss is reported to Acadia, you will be contacted by a Claim Representative who will assist you through the claims process.
In the meantime you should consider the following:
- To the extent it is reasonably safe to do so, preserve the scene and take pictures. Unless its continued presence creates a safety hazard, do not allow anyone to remove anything that may have played a part in the incident (machinery, tools, etc.). This step is important in assisting Acadia with our subrogation investigation to determine if there is a negligent third-party or defective device.
- Obtain witness names and contact information. This will assist the Acadia Claim Representative in making prompt contact with these witnesses. Prompt contact is important because the facts are fresh in the minds of witnesses and those involved in the incident. Witnesses have not had a chance to talk and influence each other’s thinking.
- A report should be prepared describing the incident and initial investigation in detail. (A sample Incident Investigation Report can be obtained by calling your Agent or Acadia Claims personnel.)
A timely incident investigation may help determine causes of injury or damage that can be controlled or eliminated. Our claim professionals are here to assist you with every step of the claim process. Our Claim Representatives are “Trusted Advisors” in their respective fields of expertise. Acadia Claim Representatives are local, enabling them with the opportunity to meet with you and conduct on-site claim investigations as the need arises. They work where you work…providing you, our valued customer, with “Closer Coverage.”
Acadia is pleased to share this material with its customers. Please note, however, that nothing in this document should be construed as legal advice or the provision of professional consulting services. This material is for general informational purposes only, and while reasonable care has been utilized in compiling this information, no warranty or representation is made as to accuracy or completeness. Distribution of this information does not constitute an assumption by us of your obligations to provide a safe workplace. Maintaining a safe workplace in accordance with all laws is your responsibility. We make no representation or warranty that our activities or recommendations will place you in compliance with law, relieve you of potential liability or ensure your premises or operations are safe. We exercise no control over your premises or operations and have no responsibility or authority to implement loss prevention practices or procedures.