To complement the careful planning in your Insurance Programme, it is obviously necessary that in the event of an incident which will or may give rise to a claim, a procedure must be adopted for the proper and expeditious conduct of the claim.
By carefully following this procedure, the impact on your business operations will be minimised.
There are number of steps which must be taken immediately:
- 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 which 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.
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.
It is impossible to give guidelines for procedures to follow in every claim, simply because of the nature of accidents –
- they cannot be predicted
- they do not follow set patterns
However, the above general procedures can be relied upon to cover most circumstances.