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Handling claims is an extremely important process. If, at any time during the claims process, you have questions or become frustrated, you should involve us. Our job is to make sure claims are handled to your reasonable satisfaction.
When to report a Professional Liability Claim
Professional liability insurance is a “claims made policy.” The policy that covers the claim is the policy that is in force at the time the claim is made. This is not necessarily when the work was done or when the damage occurred.
You must look at your policy for its specific definition of a claim, but usually it is a “demand” for money or services, or service of the suit or demand for arbitration. A demand can be written or oral. If you receive a demand, report it as a claim ASAP.
Most policies allow you to report “circumstances” that may reasonably give rise to a claim. Reporting a circumstance to your insurance company is a good practice. They can often help you avoid or resolve potential claims. Also, annual renewal applications ask if you are aware of any circumstances. To answer this question in good faith, you need to report circumstances to your insurance company.
If ever you change insurance companies, you must report all claims and circumstances to your current company before the change. The notice must be made within the required notice period of the policy. Failure to do so will likely result in the loss of coverage for any claims arising from a claim or circumstance.
If you have a question as to whether to report a claim, please call us at Alliant Insurance Services.
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