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Report first, sort it out second. Late reporting costs more claims than bad coverage does. Here is exactly what to do, by line, and what to have ready.
If anyone is injured, call 911 first. Property still burning or actively flooding? Call the carrier hotline on your declarations page before anything else.
By line of coverage
Give the employee a DWC-1 claim form within one working day. Report to the carrier immediately, even for a first aid incident you think will close. Arrange treatment through the medical provider network and document what happened while people still remember it.
Exchange information, photograph everything including the other vehicle's plate and the scene, and get a police report number. Do not discuss fault. Pull the dashcam or telematics clip before it overwrites.
Document the scene and preserve any equipment involved exactly as it is. Get names and contact details for witnesses. Report even when no one seems hurt, because notice protects the coverage.
Stop the loss from getting worse and keep every receipt for the mitigation work. Do not throw damaged property away before the adjuster sees it. Photograph before you clean up.
Call the carrier's incident hotline before you call anyone else, including your IT vendor. Using a vendor outside the panel without approval can jeopardize the coverage. Do not wipe or restore systems yet.
Report the moment you receive it. These are claims made policies and late notice is a coverage defense. Do not respond to the demand or terminate anyone involved before counsel is engaged.
Have this ready
Having this in one message shortens the first contact by days.
Our role
A brokerage that vanishes at claim time is not a brokerage, it is a sales channel. We stay on the file.
That means checking that reserves match the medical, pushing for movement when a file goes quiet, escalating past an adjuster who is not responding, and making sure a claim that should have closed actually closes before it hits your experience modification. On workers' compensation, that last part is worth more than any premium negotiation.
Next step
We will still help you think through an open claim. If your current broker is not returning calls, that is worth a conversation regardless of where your policy sits.