When bodily injury or property damage occurs as a result of an incident/accident at your location you should do the following:

1. Be polite, courteous and understanding with the person. You do not want his/her actual or imagined injuries to include undue mental distress, harassment, embarrassment or the like.
2. Obtain appropriate first aid and/or medical assistance immediately.
3. If the injured party has questions about follow-up medical treatment, tell the person that a representative of our insurance company will contact them.
4. Do not admit fault or any type of negligence or make any commitments. Do not discuss prior incidents involving similar circumstances at your location.
5. Promptly complete an Incident/Accident Report (copy attached):
1. Take pictures of the loss site or damaged property as soon as possible whenever possible. This will help others visualize how the loss occurred and the pictures may be invaluable at a later date (e.g. a wet condition existing at the time of the loss may not exist the following day). Please forward pictures to your supervisor.
2. Identify witnesses and/or employees in the vicinity of the incident/accident.
3. Identify the relationship, if any, between the witnesses and the injured party.
4. List all pertinent facts appropriate to the type of accident, for example, in a "slip and fall".
6. Please advise if the police are called so we may obtain a copy of the police report.
7. Forward the completed Incident/Accident Report to management within 24 hours of the incident/accident.
8. Be sure to take necessary steps to protect others from further injury or property damage and to prevent recurrence.
9. Prompt reporting of all claims is imperative. Late reporting of bodily injury claims could result in the injured party obtaining an attorney prior to the insurance company becoming aware of the incident/accident. This could jeopardize our insurance coverage.
10. Be prepared to discuss the incident/accident with a representative of our insurance company.

Please note that in order to make claims reporting as prompt and complete as possible, we ask that you complete an Incident/Accident Report Form for any and all third party claims.