What to do when an Incident/Accident Occurs
While not an exhaustive list, the following information is provided to assist you should a loss occur. Nothing contained within this material should be construed as providing legal advice nor does it imply coverage will be afforded. Every claim submitted must be reviewed and evaluated based upon the applicable policy of insurance and the facts of loss.
- Call for medical assistance if necessary.
- Report all claims the same day or within 24 hours upon notice of the injury/illness, even if the employer disputes the claim.
- Complete an internal accident investigation, completing an incident/accident report form.
- Identify any other parties such as a landlord, contractors or product vendors/distributors that may be involved.
- Identify any tools, equipment or machinery that may have caused or contributed to the loss. Keep all records relating to the purchase and maintenance of the items.
- Comply with all applicable governmental reporting requirements, including but not limited to OSHA 300 Log.
- Do not discuss the details of the loss with any party representing the injured person without first consulting with your insurance agent, claims adjuster or legal counsel.
- Make no commitments for payment, or admit any fault for the injury/illness.