Steps to Take Immediately After a General Liability Claim Is Filed Against You

Facing a general liability claim can be a stressful experience for any business or professional. Acting quickly and thoughtfully is essential to financially protect your interests, maintain compliance and help yourself toward the best possible outcome. Understanding appropriate actions when a claim is filed against you can make all the difference. 

1. Notify Your Insurance Provider Promptly

As soon as you become aware of a claim or potential claim, contact your insurance provider without delay. Timely notification is often required by your policy and helps prevent complications later in the process. Provide all relevant details, including the date of the incident, parties involved and any documentation you have received. 

2. Gather and Preserve Documentation

Collect all records related to the incident, such as contracts, emails, photographs, incident reports and witness statements. Keeping thorough documentation can be crucial for your defense and for your insurer’s investigation. Avoid altering or discarding any materials that may be relevant to the claim. 

3. Restrict Communication About the Claim

Be cautious about discussing the claim with anyone other than your insurer, legal counsel or designated representatives. Avoid making statements or admissions that could be interpreted as accepting responsibility. Direct any inquiries from the claimant or their representatives to your insurance company or attorney. 

4. Cooperate Fully With Your Insurer

Your insurance provider may assign an adjuster or legal counsel to your case. Respond promptly to requests for information and participate in any investigations or interviews as needed. Cooperation helps your claim be handled efficiently and in accordance with business insurance requirements. 

5. Review Your Policy and Seek Guidance

Take time to review your general liability policy so you understand your coverage, exclusions and obligations. If you have questions or concerns, consult with your insurance agent or legal advisor. Our team at Reinholdt & O'Harra Insurance is always available to help you interpret your policy and navigate the claims process. 

We’re Here to Help 

Taking appropriate steps can help financially protect your business and support a smoother resolution. If you have questions about general liability claims or want to review your Oregon business insurance coverage, contact us today at Reinholdt & O'Harra Insurance. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.