Filing a claim,
step by step.

Make sure everyone is safe first — that always comes before paperwork. Once things are stable, document everything you can: photos of the scene, damage, or injury; names and contact info for anyone involved or who witnessed it; and a simple note of what happened and when. The more you capture in the moment, the easier your claim is to process later.

Be helpful and professional, but avoid admitting fault or agreeing to pay for anything on the spot. Determining who's responsible is part of the claims process — a well-meaning comment in the moment can complicate things later. Stick to the facts of what happened.

For any serious injury, or if you're unsure, yes — call emergency services first. For property damage or vehicle incidents, a police or incident report can support your claim, so it's worth filing one even for smaller incidents.

Document what you can in the moment — photos, notes, contact details — and file your claim as soon as you're able. Claims don't need to be filed the instant something happens; what matters is getting us accurate details as soon as reasonably possible.

Through the Claims section of our site — fill in your policy number, a description of what happened, and your contact details. A Worksured broker will follow up, typically within one business day.

Your policy number, the date and location of the incident, a description of what happened, and your contact information. If you have them, photos, witness details, and any police or incident report numbers help move things along faster.

Report it as soon as you reasonably can. Insurance policies generally require prompt notice, and waiting too long can complicate — or in some cases jeopardize — your claim. When in doubt, file it; it's better to report something that turns out to be minor than to wait too long on something serious.

Yes — an office manager, partner, or family member can submit the initial details for you. We'll just need your policy number and a way to reach you (or the policyholder) to confirm the details and move the claim forward.

A Worksured broker reviews what you've submitted and reaches out — typically within one business day — to confirm details and explain next steps. From there, your claim is directed to the insurer for investigation and handling.

Your insurance carrier handles the investigation, adjustment, and payout — that's standard for how insurance works. As your broker, Worksured is there to help you file correctly, answer questions, and stay on top of things on your behalf.

It depends on the type and complexity of the claim. A straightforward tools-and-equipment claim can move quickly; a liability claim involving injury or a dispute can take longer while it's investigated. We'll keep you posted on where things stand.

Possibly, especially for larger or more complex claims. Your broker stays involved throughout, but the adjuster handling your file may reach out directly for specific details.

These usually involve a third party — a client, member of the public, or another business — claiming injury or property damage caused by your work. You report what happened, the insurer investigates, and if your policy covers it, they handle the resolution, including any settlement or defense costs.

Report what was stolen, damaged, or destroyed, along 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 is generally used to repair or replace the affected equipment.

These typically arise when a client claims your advice, design, or work caused them a financial loss. They tend to be more involved than a straightforward property claim, since they often require reviewing contracts, correspondence, and the work itself.

Similar to a personal auto claim — report the incident, provide any police report and photos, and the insurer handles the assessment and repair or replacement process for covered vehicles.

Notify us as soon as you're aware of any legal action or threat of one — don't wait for a court date. Depending on your coverage, your insurer may provide a legal defense and handle the matter on your behalf.

Most policies include a deductible — the portion of a claim you're responsible for before coverage kicks in. The amount depends on your specific policy, and your broker can confirm your deductible any time.

It can, depending on the type, size, and frequency of claims, along with other factors at renewal. Every situation is different, so we can't promise a specific outcome — but filing a legitimate claim is exactly what your insurance is there for, and we'll always help you understand the impact when it's time to renew.

Ask your broker to walk you through the reason. Denials are usually tied to specific policy terms or missing information, and in many cases there's a path to provide more detail or clarify the circumstances.

Yes — if you disagree with a decision, talk to your Worksured broker first. We can help you understand your options and, where appropriate, go back to the insurer with additional information or a formal appeal.

Log in to your Worksured account for an overview, or contact your broker directly for the latest update on an active claim.

Reach out to your Worksured broker, or chat with Winston, our AI guide, who can help track down where things stand or connect you with the right person quickly.

Winston can guide you through filing, answer general questions about the process, and connect you with a licensed broker any time you need a person directly involved in your claim.