General Liability Insurance
Filing a general liability claim: step by step
When an incident occurs, knowing how to properly file and manage your GL claim can make the difference between a smooth resolution and costly complications. Here's what to expect.
General liability claims typically arise from bodily injury, property damage, or personal/advertising injury to third parties. The claims process involves notification, investigation, and resolution—which may include settlement or defense if a lawsuit is filed.
Step-by-Step Claims Process
Document the incident immediately
Gather photos, witness contact information, incident reports, and any relevant documentation. The more detail you capture at the scene, the stronger your position.
Tip: Use your phone to take photos and videos. Get written statements from witnesses if possible.
Notify your insurance company
Contact your insurer or agent as soon as possible. Most policies require "prompt" notice, and delays can jeopardize coverage. Provide basic incident facts without admitting fault.
Tip: Have your policy number ready. Stick to facts—don't speculate about fault or coverage.
Cooperate with the investigation
Your insurer will assign a claims adjuster to investigate. Provide requested documents, allow property inspections, and answer questions honestly. Your policy requires cooperation.
Tip: Keep copies of everything you submit. Respond to adjuster requests promptly.
Review the coverage determination
The adjuster will determine if the claim is covered, any applicable deductibles, and the extent of coverage. If you disagree, you can appeal or request reconsideration.
Tip: If coverage is denied, ask for the specific policy language and exclusion cited.
Resolution and payment
Covered claims are resolved through settlement with the claimant or, if sued, through defense and litigation. Your insurer handles negotiations and legal defense.
Tip: You may need to approve settlements above certain thresholds. Stay engaged with your adjuster.
Tips for a Smooth Claims Process
- Never admit fault or make promises to injured parties—let your insurer handle communications
- Report all incidents, even if you're unsure they'll result in claims—late reporting can void coverage
- Keep detailed records of your communication with adjusters including dates, names, and summaries
- If you receive a lawsuit, forward it to your insurer immediately—response deadlines are strict
- Consider hiring your own attorney if the claim exceeds your policy limits or involves uncovered allegations
Need help with your general liability insurance?
Our licensed agents can help you understand your coverage options and find the right policy for your business.