General Liability Claims Reporting Procedures
Claims in this category consist of injury to others or damage to property of others (except by automobile) for which your company may be legally liable arising out of the company’s business activities. The following steps should be taken whenever a loss of this type occurs.
1. Secure the name, address and phone number of the injured person or property owner and all details of how the injury or damage occurred.
2. If necessary, secure first aid for the injured person.
3. Do not admit liability or offer payment for injuries or damages. This will be addressed by the insurance company.
4. Obtain the names and addresses of all witnesses.
5. If appropriate, make a diagram or photograph of the area just as it was when the incident occurred. This is extremely important if the condition of the area changes before the adjuster investigates. Have all employees that responded to the incident give you a written statement of what they saw, heard or were told by the injured party.
6. Call or fax the report to FPA. Refer to the account service team sheet for numbers. FPA will report the incident to the insurance company.
7. If the accident occurs during evening or weekend hours and is of a serious nature, contact FPA as soon as possible on the next business day.
8. If you are served with a Summons or Complaint (suit papers), you must notify FPA immediately. These are legal documents that require a timely response. Failure to do so may result in a default judgment against your company.
9. Failure to report the claim may void your coverage for that claim.
10. Do not discuss the details of the accident with anyone without proper identification. He/she may want to speak with you or other employees about the accident. Please refer these people to FPA or the insurance company representative handling the claim.