Family Auto Insurance Agency
  • Home
  • Online Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Workers Compensation Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Client Center
    • Policy Review
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Workers Compensation
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Newsletter Signup
    • Blog
    • News
  • Contact
  • Home
  • Online Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Workers Compensation Quote
    • Property Quotes >
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Umbrella Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Client Center
    • Policy Review
    • Online Documents
    • Free Consultation
  • Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Workers Compensation
    • Property >
      • Home Insurance
      • Earthquake Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
    • Other >
      • Event Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Agency Photo Gallery
    • Newsletter Signup
    • Blog
    • News
  • Contact

Family Auto Insurance
​Agency Blog

4 Things To Avoid When Filing For A Business Insurance Claim

6/7/2021

1 Comment

 
Picture
One thing that is constant in business is risks. Risks such as natural disasters, equipment failure, and client injuries can deal a massive blow to your business. These risks are the reason why commercial insurance is vital in a company. Having your finances secured is always a priority.
​
However, business insurance does not fully guarantee reimbursements for damages. The process of filing claims can sometimes be complicated—causing some businesses to take significant damage. Here is a list of mistakes that you should avoid when filing commercial claims.
  1. Not fully understanding your policy
    Many business owners assume that their commercial insurance covers pretty much all damages caused by natural disasters and such. However, this assumption is incorrect and can be a waste of time.

    Insurance policies do not cover everything that you expect. Always take the time to be knowledgeable about your policy’s coverage. Being educated on your policy can help you identify further coverage needs, which is vital in protecting your business.

  2. Not informing the insurer of the situation immediately
    When there’s a business-related problem that occurred, you should be quick to contact your insurer. Not only will you describe the situation vividly, but adjustments to the claim would also be more manageable.

    Reporting the situation immediately to the insurer can be the difference between being covered and not. Most insurers would provide teams that will assess the damages on-site, meaning the earlier they arrive, the more favorable. Also, note that failure to report the situation within 48 hours may result in being refused benefits. 

  3. Not documenting proof of damage
    The insurers would always ask for evidence. They will never grant you pay for an unfounded claim. Make sure to photograph the damages that can be costly to repair immediately.  Also, it would help if you documented all of your conversations with your insurer. Remember to note the time, date, and substance of the discussions and document all mailed correspondence. 

  4. Not keeping the damaged goods/property
    Never think that photographs and other documentation are enough proof. Physical evidence is crucial in proving your case to the insurer. Make sure to avoid throwing away the damaged goods while also preventing further damage. Your insurer can deny you coverage if negligence to avoid further damage is observed. 

Conclusion
In these unfortunate situations, your insurer’s job is to help you get back as quickly as possible. However, you must always be well-educated in filing a claim. This knowledge might be the difference between bouncing back well and struggling to put things together. 

At Family Auto Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote.
1 Comment
Braden Bills link
8/11/2021 06:25:54 am

My friend is afraid that he might lose money if something happens to his business. It makes sense that he might want to get business insurance for it! That seems like a good way to ensure that he can be protected from everything.

Reply



Leave a Reply.

    Contact Us

    Detroit Office:
    6442 Michigan Ave
    Detroit, MI 48210​
    (313) 285-9042

    Lincoln Park Office:
    3205 Dix Hwy 
    Lincoln Park, MI 48146
    (313) 288-1550
    Click Here to Email Us

    Archives

    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020
    May 2020
    April 2020
    March 2020
    January 2020

    Categories

    All
    Auto Insurance
    Business Insurance
    Business Owner's Package (BOP) Insurance
    FAQs
    Financial
    Flood Insurance
    Home Insurance
    Insurance
    Local
    Motorcycle Insurance
    Renters Insurance
    Safety

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login

Connect With Us

Share This Page

Contact Us

Family Auto Insurance Agency
Detroit Office:
6442 Michigan Ave
Detroit, MI 48210​
(313) 285-9042
Lincoln Park Office:
3205 Dix Hwy 
Lincoln Park, MI 48146
(313) 288-1550
Click Here to Email Us

Location

Family Auto Insurance Agency - Detroit, MI
Review Us
Website by InsuranceSplash