An authorized representative should take the following steps in reporting an incident to an insurer.
- Complete an Incident Report: An internal report should be kept on file at the property, and should be completed as thoroughly as possible.
- Report to the Insurance Company: A report should be sent to the insurance company as FYI in case of a future lawsuit, especially when dealing with a Worker’s Compensation Claim because very tight deadlines apply. Even if the employee is late in reporting the incident, the manager should report it immediately.
- File a Claim: A claim may be submitted to the insurance company reporting a loss and filing a claim for money. Sometimes a filed claim results in an insurance company inspection of the property.