How to file a business insurance claim
Limit the loss, document it, and work with your adjuster.
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1
Protect against further loss
Take reasonable steps to prevent additional damage and keep receipts.
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2
Document the loss
Photograph damage and record affected inventory, equipment, and downtime.
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3
Notify your insurer quickly
Report the claim and provide your documentation and policy number.
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4
Track business interruption
Keep records of lost income and extra expenses if you have that coverage.
Educational content only — not legal, financial, or insurance advice. Requirements vary by state.