How to File a Business Insurance Claim

Nobody wants to have to file a business insurance claim, but sometimes things happen that are beyond your control. If you have professional insurance in Indiana and find you need to file a claim due to natural disaster, theft or some other issue, you can take a few steps to ensure the process is as easy and stress-free as possible.

The first thing you should do – after contacting the property authorities – is to contact your insurance agent. He or she will review your policy with you and remind you of your obligations when it comes to the deductible. Be sure you have photographic documentation of any damages, make a list of your losses and if there were any witnesses, gather statements. If the problem will prevent you from doing business and you have insurance to cover the interruption, you must be able to prove how much money you were bringing in. If repairs are needed, shop around for reputable contractors and get at least two bids regarding cost of repairs. A good agent will walk you through the process and answer any questions to ensure you have a solid understanding of the process of filing a claim with your professional insurance in Indiana, so do not be afraid to ask.