In the event of injuries or damage to property of other which you allegedly caused:

1. Complete the attached incident report form and or Acord claim form. (Located on the right, under "Forms")
2. To report a casualty loss please contact: 1.800.Claims.0 or 1-800.252.4670.
3. To report a casualty loss via fax: 1.800.300.2538.
4. In the event you receive any correspondence from an attorney representing an injured party please submit it to the fax number above or the claims adjuster assigned to the loss.
5. Do not discuss the claim with the other party or their attorney. Refer them to the insurance company’s claim adjuster. 

After reporting the claim to the insurance company, the claims adjuster will:

1. Contact you to discuss the incident that allegedly caused the injury or damage to the property.
2. Deal directly with the other party and/or attorney to handle the claim.
3. Update you as to the status of the claim

In the event of a participant accident medical claim please following these steps:

1. Complete the attached WSIB/NAHGA Claim Services Form. (Located on the right, under "Forms"))
2. Phone NAGHA Claim Services at 1.800.952.4320 and advise of the injury and potential claim.
3. Fax 207.647.4569 or email the claim form to wsib@nahgaclaims.com

In the event of damage to your building or contents:

1. Protect the property from further damage:
1. Call the proper authorities and utilities (gas, electric, telephone).
2. Take photos of the damage before having emergency repairs made, such as boarding up windows or covering holes in the roof.
2. Call your broker or WSIB to report the loss.
3. Complete the attached incident report form and or Acord claim form. (Located on the right, under "Forms")
4. To report a property loss please contact: 1.800.Claims.0 or 1-800.252.4670.
5. To report a property loss via fax: 1.800.300.2538.
6. Separate damaged contents from undamaged contents. Do not discard any items until the claims adjuster gives you the authority to do so.
7. Keep records of expenses if you are forced to temporarily relocate your business.
8. Do not authorize repairs until the claims adjuster has given you the authority to do so.

After the claim has been reported to the insurance company, the claims adjuster will:

1. Contact you by phone or mail to discuss the loss;
2. Arrange for an appraiser to inspect extensively damaged property;
3. Assist you with your choice of contractors to make repairs; and
4. Contact you for a settlement.

In the event of an accident:

1. Report the accident to the police
2. Obtain information about the other people involved in the accident such as:
1. Names, addresses, and phone number;
2. Insurance company;
3. Type of vehicle;
4. License plate number; and
5. Drivers license number.
3. Have your vehicle towed to the nearest repair shop if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.
4. Call your broker or WSIB to report the accident.

In the event of a windshield, vandalism, or theft loss:

1. Report the vandalism loss or theft to the police.
2. Call us to report a loss.

After the claim has been reported to the insurance company, the claims adjuster will:

1. Contact you to request details of the accident and repair estimates.
2. Arrange for an appraiser to inspect damaged vehicles that are not drivable or extensively damaged.
3. Contact you for a settlement.
4. Deal directly with the others involved in the accident.
   
   You should not talk to others involved in the accident, but refer them to your claims adjuster.

Workers’ Compensation Claims

In the event your employee is injured on the job:

1. Complete the Employer’s First Report of Injury or Disease form for all claims (Located to the right under "Forms"). Either use the “call in” reporting system or fax the original form to the insurance company. Send a copy of this form to the State Department of Industry, Labor and Human Relations (refer to the First Report for the address).
2. Forward a copy of the First Report to us in the event of a disabling injury or death claim. We will follow up with the insurance company for their prompt handling of the claim.
3. Contact the insurance company to question the status of a claim. If you experience delays of have questions, please contact us for assistance.

After reporting the claim to the insurance company, the claims adjuster will:

1. Contact the injured employee to discuss the accident.
2. Request copies of bill and doctor’ reports for medical treatment administered.
3. Contact you, the employer, if there is any lost time from work as a result of the injury.