Filing a claim,
step by step.
Straight answers about what to do after an incident, how the claims process works, and what to expect from start to finish.
What to do before you file
What should I do immediately after an incident on the job?
Make sure everyone is safe first. That always comes before paperwork. Once things are stable, write down what you can: photos of the scene, the damage or the injury, names and contact details for anyone involved or who saw it, and a short note of what happened and when. The more you capture at the time, the easier your claim is to handle later.
Should I admit fault or apologize at the scene?
Be helpful and professional, but don’t admit fault or agree to pay for anything on the spot. Working out who is responsible is part of the claims process, and a well-meant comment at the time can complicate things later. Stick to the facts of what happened.
Do I need to call the police for property damage or injury?
For any serious injury, or if you’re unsure, yes: call emergency services first. For property damage or a vehicle incident, a police or incident report supports your claim, so it’s worth filing one even for smaller incidents.
What if the incident happened after hours or on a weekend?
Write down what you can at the time (photos, notes, contact details) and report the claim as soon as you’re able. What matters is getting accurate details to us as soon as reasonably possible.
Filing a claim
How do I file a claim with Worksured?
Through the Claims section of our site, or by calling 1-888-900-7155. Give your policy number, what happened and your contact details. A licensed broker follows up as soon as possible.
What information do I need to file a claim?
Your policy number, the date and location of the incident, a description of what happened and your contact details. If you have them, photos, witness details and any police or incident report numbers help move things along.
Is there a deadline for reporting a claim?
Report it as soon as you reasonably can. Policies generally require prompt notice, and waiting too long can complicate a claim or, in some cases, put it at risk. When in doubt, report it: it’s better to report something that turns out to be minor than to wait on something serious.
Can someone else file a claim on my behalf?
Yes. An office manager, a partner or a family member can send us the first details for you. We’ll need your policy number and a way to reach you, or the policyholder, to confirm the details and move the claim forward.
What happens after you file
What happens after I submit a claim?
A licensed broker reviews what you’ve sent and contacts you as soon as possible to confirm the details and explain the next steps. From there, your claim goes to the insurer, which investigates and handles it.
Who actually investigates and pays my claim?
Your insurer. It handles the investigation, the adjustment and any payment, which is how insurance works. As your broker, Worksured helps you report the claim correctly, answers your questions and follows up with the insurer on your behalf.
How long does the claims process take from start to finish?
It depends on the type of claim and how complex it is. A simple Tools & Equipment claim can move quickly. A liability claim involving an injury or a dispute takes longer while it’s investigated. We’ll keep you posted on where things stand.
Will I need to speak with an adjuster directly?
Possibly, especially for larger or more complex claims. Your broker stays involved throughout, but the adjuster handling your file may contact you directly for specific details.
How claims work by coverage type
How does a General Liability claim work?
These usually involve a third party (a client, a member of the public or another business) saying your work caused an injury or damaged their property. You report what happened, the insurer investigates, and if your policy covers it, the insurer handles the resolution, including any settlement or defence costs.
How does a Tools & Equipment claim work?
Tools & Equipment coverage is coming soon to Worksured. Once you have it, report what was stolen or damaged, with any proof of ownership or value you have: receipts, photos, serial numbers. The insurer assesses the loss against your coverage and limits, and payment generally goes to repairing or replacing the equipment.
How does a Course of Construction claim work?
Course of Construction is coming soon to Worksured. It covers the job while it’s being built: materials, work in progress and the structure itself, against physical loss or damage before handover. Once you have it, report what happened and what was damaged, with photos, the contract and invoices for materials where you have them. The insurer assesses the loss against your policy.
How does a Commercial Auto claim work?
Commercial Auto is coming soon to Worksured and will be quoted separately by a licensed broker. If you have a Commercial Auto policy through us, report the incident with any police report and photos, and the insurer handles the assessment and the repair or replacement of covered vehicles.
What if I'm sued by a client or third party?
Tell us as soon as you know about any legal action, or a threat of one. Don’t wait for a court date. Depending on your coverage, your insurer may provide a legal defence and handle the matter on your behalf.
All insurance policies have coverage limitations and should be reviewed. Coverage is subject to the terms of your policy.
Deductibles, premiums and denials
Do I have to pay a deductible?
Most policies have a deductible: the part of a claim you pay before coverage applies. The amount depends on your policy, and a licensed broker can confirm yours at any time.
Will filing a claim increase my premium?
It can, depending on the type, size and number of claims, along with other factors at renewal. Every situation is different, so we can’t promise an outcome. Reporting a genuine claim is what your insurance is for, and we’ll help you understand the effect when it’s time to renew.
What if my claim is denied?
Ask your broker to walk you through the reason. Denials are usually tied to specific policy terms or missing information, and often there’s a way to give more detail or clarify what happened.
Can I appeal a claims decision?
Yes. If you disagree with a decision, talk to your Worksured broker first. We’ll help you understand your options and, where it makes sense, go back to the insurer with more information or a formal request for review.
If you’re still not satisfied, the insurer’s complaints officer can review it, and after that the General Insurance OmbudService. We’ll help you find the right route.
Tracking your claim and getting help
How do I check the status of my claim?
Call 1-888-900-7155 for the latest on an active claim. A licensed broker can tell you where it stands and what happens next.
Who do I contact if I haven't heard back?
Call 1-888-900-7155, or ask Winston, our AI assistant. He can help you find out where things stand and connect you with a licensed broker.
Can Winston help me with an active claim?
Winston can walk you through reporting a claim, answer general questions about the process and connect you with a licensed broker whenever you want a person involved. He can’t comment on whether a claim will be covered.
Need to file a claim right now?
Report it online or by phone, or ask Winston any time.
Prefer to talk? Call 1-888-900-7155.