Claims management
We manage your claim, so you don't have to
The true value of an insurance policy is usually only clear at claim time. We manage the claims process on your behalf, advocating for you with your insurer so your cover responds the way it was intended to.
Because we're a close-knit team, when you call us about a claim you're speaking with someone who already knows your business and your insurance program. Being backed by the wider resources of QIB Group means we can draw on additional technical and claims support for anything complex, without losing the personal attention we're proud to offer our clients.
What to do when something happens
In the event of a claim, contact us as soon as practical.
If an event happens outside business hours, most insurers offer a 24-hour claims hotline. If you do contact your insurer first directly, please let us know — it helps us keep track of your claim and keep it moving.
The steps you take in the first hours after an incident can also affect how a claim is assessed. Here are the key points to keep in mind.
Even if you think you're at fault, admitting liability can allow an insurer to reduce or deny a claim. Leave that assessment to the claims process.
Don't repair or replace damaged property before your insurer has agreed to it, other than temporary emergency repairs needed to prevent further loss.
Take reasonable steps to prevent additional damage, and arrange overnight security if the premises can't be secured straight away.
Keep damaged items available for inspection rather than disposing of them, in case a loss adjuster needs to assess them.
Malicious damage, vandalism, theft and lost property should be reported to police, and you should obtain a report or reference number. Motor vehicle accidents should also be reported to police where required, and always when someone is injured.
Why work with J W Bell on a claim
The moment your policy does its work
A claim is the moment an insurance policy is put to the test, and it's rarely convenient timing. Having someone in your corner who already knows your business and your cover means you're not explaining your situation from scratch while you're also dealing with the disruption itself.
If you're ever unsure whether an incident is worth reporting, call us — it costs nothing to check, and it's easier for us to help if we know about it from the start.
Insurance can be complicated.
Getting the right advice shouldn't be.
Talk to our team today about your business insurance
