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What is a commercial general liability claim? Learn the ins and outs.

As a business owner, there is a chance that you will need to file a commercial general tort claim at some point in your career. This can be for injury or damage arising from your business, products or at your place of business. For example, a team member may accidentally damage a customer’s property while they are on site for repairs. Or a customer may be injured at your company or by one of your products.

Before these situations arise, learn the details of commercial general tort claims and how to file them.

What is a commercial general liability claim?

Commercial tort claims are made when a person is injured or their property is damaged due to your negligence, faulty or inferior products or equipment, or due to faulty workmanship. It can be about everything from property damage claims to slip claims.

When should you submit a claim for damages?

It is important to file a claim as soon as possible after an incident. Most policies require you to do so…and for good reason. When you archive immediately, you will have the most accurate memories of the event and the immediate actions taken. You may even have witnesses or video footage of the incident that can be helpful.

What can I expect in an application process?

While there is no standard claim processing time due to the unique circumstances of each claim, these steps can help you understand the process and what to expect. A general liability application process includes:

Step 1

: Notify your agent or insurance company immediately after an accident, injury or loss.

Step 2: Apply formally using one of the four simple methods described in the section below (call, fax, agent, online).

Step 3: A review of your current policy by the adjuster to see what is covered.

Step 4: A damage investigation is underway. An adjuster will look at the loss, your coverage, parties involved and potential witnesses while reviewing the claim.

Step 5: Settlement of the claim.

How can you submit a liability claim?

Frankenmuth Insurance makes filing commercial claims easy. Our team is available 24/7/365 to receive and process claims, so you can get fast, fair results. Before filing, look up your policy number and make sure you know how the incident happened. If there was video or surveillance of the incident, be sure to preserve it. Take photos of damage and keep other documents that may be relevant. If any leases or contracts are involved, collect these. The more information you can provide, the faster your complaint process will go.

Easily make a liability claim via:

  • Call. Our phone line is open 24 hours a day for reporting complaints. Just call us at 800-234-4433 to get started.
  • Fax. If it is easier for you to fax a claim, you can submit it by fax at 989-652-6231.
  • Agent. Sometimes, especially if you have questions, it’s best to talk to an expert in person. Our agents are always willing to answer your questions and guide you through claim process.
  • Online. Prefer to stick to online filing? Submit your application completely online using our comprehensive digital form.

Accidents, injuries and losses can be inevitable when owning a business. Now that you know what commercial general liability claims are and the steps involved in filing a claim, you know how important it is to have adequate insurance coverage.

Speak to a local, independent agent to review your current coverage and additional coverage that may be needed.


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