Return To Blog

Submitting claims as a small business owner


June 10, 2020

As a small business owner, things can be a dream...but it can also be overwhelming. Every decision you make can impact your profits and the success of your business. When it comes to disasters, planning for one can be just as important as submitting the claim. We’ve compiled the most important things you need to do to plan for a disaster, as well as your steps to submitting a claim.

Disasters & Emergencies
If you do not have a plan of action in the event of an emergency that could impact your small business, you need to make this a top priority. To start, research common disasters and events that could potentially happen to the structure of your business. 
Use this to review your insurance and make sure you are properly covered for potential scenarios. Next, make sure you have a plan of action in case your business will have to be closed—both short term and long term. Have a list of contacts readily available that include employees and anyone else you normally work with to inform them about the situation. This also includes informing your customers. 

It is also important that your small business have first aid kits and other tools available on-hand in case of an emergency with an employee or customer. If you need help with your plan, use the American Red Cross’ get started: emergency preparedness checklist for small businesses.

Your Steps to Submitting Claims 
Included in your emergency plan should be a step-by-step guide on how to submit a claim upon damage to your small business. First, make sure you understand every element of your insurance policy. After an event has occurred, take time to make sure the area is safe. Next, you will need to review and assess the damage. Be sure to take detailed notes on the damage, and include pictures. Keep this to inform your insurance company and once you have taken these measures, contact them to file a claim. From there, an adjuster will be sent to your business to investigate your claim. 
When your customers are submitting claims for an emergency, you may need more claims adjusters to handle the volume of claims. Hire Aspen Claims to help, we are the premier nationwide independent claims adjuster. Learn about the Aspen difference and call us today at 888-819-5904 to see how we can help your company with claims adjusting.