[{"data":1,"prerenderedAt":478},["ShallowReactive",2],{"document-checklist-making-an-insurance-claim-D13218":3},{"document":4,"label":23,"preview":11,"thumb":24,"description":5,"descriptionCustom":6,"apiDescription":5,"pages":8,"extension":10,"parents":25,"breadcrumb":29,"related":33,"customDescModule":173,"customdescription":6,"mdFm":174,"mdProseHtml":477},{"description":5,"descriptionCustom":6,"label":7,"pages":8,"size":9,"extension":10,"preview":11,"thumb":12,"svgFrame":13,"seoMetadata":14,"parents":16,"keywords":15},"CHECKLIST MAKING AN INSURANCE CLAIM When dealing with business losses and insurance claims, preparation is the best strategy. You should have a comprehensive list of all your business properties to have a point of reference when determining what was stolen, lost, or damaged. Making an insurance claim can be challenging but following specific steps can help increase the chances of success. Use the insurance claim checklist below to organize and justify your claim. Gather Significant Evidence of Loss Getting your evidence of loss together will ultimately help the insurance company obtain detailed information relating to damages and losses. Keep Evidence in a Safe Place if Possible Failing to place evidence in a very safe place may contaminate or destroy it. With time, the lack of evidence will also devalue the source of information. Compare What's on the List of Business Property to What is Gone or Damaged Check whether the loss or damage is covered by the insurance policy you utilize. Note that the business property includes all items your company has a legal title over. Keep Records of the Claim by Taking Pictures of the Damage Consider keeping records of the claim by taking pictures and storing them. It's advisable to back these pictures up in an alternate storage space to avoid loss. Collect Receipts and Other Necessary Documents that Prove Payment for Damaged Property Get all the important information required to prove payment for any damaged property. Reach Out to Witnesses and Make Records of their Statements",null,"Checklist Making An Insurance Claim","3",513,"doc","https://templates.business-in-a-box.com/imgs/1000px/checklist-making-an-insurance-claim-D13218.png","https://templates.business-in-a-box.com/imgs/250px/13218.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#13218.xml",{"title":15,"description":6},"checklist making an insurance claim",[17,20],{"label":18,"url":19},"Finance & Accounting","/templates/finance-accounting/",{"label":21,"url":22},"Business Insurance","/templates/business-insurance/","Checklist Making An Insurance Claim Template","https://templates.business-in-a-box.com/imgs/400px/13218.png",[26,17,20],{"label":27,"url":28},"Templates","/templates/",[30,31,32],{"label":27,"url":28},{"label":18,"url":19},{"label":21,"url":22},[34,38,42,46,50,54,58,62,66,70,74,78,82,98,114,129,144,160],{"label":35,"url":36,"thumb":37,"extension":10},"Notice of Insurance Claim","/template/notice-of-insurance-claim-D372","https://templates.business-in-a-box.com/imgs/250px/372.png",{"label":39,"url":40,"thumb":41,"extension":10},"Checklist Directors and Officers Insurance","/template/checklist-directors-and-officers-insurance-D608","https://templates.business-in-a-box.com/imgs/250px/608.png",{"label":43,"url":44,"thumb":45,"extension":10},"Checklist Health and Disability Insurance","/template/checklist-health-and-disability-insurance-D609","https://templates.business-in-a-box.com/imgs/250px/609.png",{"label":47,"url":48,"thumb":49,"extension":10},"Checklist Key Employee Life Insurance","/template/checklist-key-employee-life-insurance-D610","https://templates.business-in-a-box.com/imgs/250px/610.png",{"label":51,"url":52,"thumb":53,"extension":10},"Checklist Business Insurance","/template/checklist-business-insurance-D12993","https://templates.business-in-a-box.com/imgs/250px/12993.png",{"label":55,"url":56,"thumb":57,"extension":10},"Insurance Agreement","/template/insurance-agreement-D13017","https://templates.business-in-a-box.com/imgs/250px/13017.png",{"label":59,"url":60,"thumb":61,"extension":10},"Business Insurance Guide","/template/business-insurance-guide-D12940","https://templates.business-in-a-box.com/imgs/250px/12940.png",{"label":63,"url":64,"thumb":65,"extension":10},"Worksheet_Business Insurance Planning","/template/worksheet_business-insurance-planning-D373","https://templates.business-in-a-box.com/imgs/250px/373.png",{"label":67,"url":68,"thumb":69,"extension":10},"Explanation of Insurance Rate Increase","/template/explanation-of-insurance-rate-increase-D612","https://templates.business-in-a-box.com/imgs/250px/612.png",{"label":71,"url":72,"thumb":73,"extension":10},"Assignment of a Claim for Damages","/template/assignment-of-a-claim-for-damages-D937","https://templates.business-in-a-box.com/imgs/250px/937.png",{"label":75,"url":76,"thumb":77,"extension":10},"Quit Claim Deed","/template/quit-claim-deed-D991","https://templates.business-in-a-box.com/imgs/250px/991.png",{"label":79,"url":80,"thumb":81,"extension":10},"Request Immediate Insurance Coverage for New Employee","/template/request-immediate-insurance-coverage-for-new-employee-D613","https://templates.business-in-a-box.com/imgs/250px/613.png",{"description":83,"descriptionCustom":6,"label":84,"pages":85,"size":86,"extension":10,"preview":87,"thumb":88,"svgFrame":89,"seoMetadata":90,"parents":91,"keywords":96,"url":97},"Confidentiality Agreement The undersigned reader acknowledges that the information provided by [YOUR COMPANY NAME] in this business plan is confidential; therefore, reader agrees not to disclose it without the express written permission of [YOUR COMPANY NAME]. It is acknowledged by reader that information to be furnished in this business plan is in all respects confidential in nature, other than information which is in the public domain through other means and that any disclosure or use of same by reader may cause serious harm or damage to [YOUR COMPANY NAME]. Upon request, this document is to be immediately returned to [YOUR COMPANY NAME]. ___________________ Signature ___________________ Name (typed or printed) ___________________ Date This is a business plan. It does not imply an offering of securities. 1.0 Executive Summary 1 1.1 Objectives 3 1.2 Mission 3 1.3 Keys to Success 3 2.0 Company Summary 4 2.1 Company Ownership 4 2.2 Company History 4 3.0 Services 6 4.0 Market Analysis Summary 7 4.1 Market Segmentation 7 4.2 Target Market Segment Strategy 8 4.3 Service Business Analysis 9 4.3.1 Competition and Buying Patterns 9 5.0 Strategy and Implementation Summary 9 5.1 Competitive Edge 10 5.2 Marketing Strategy 10 5.3 Sales Strategy 10 5.3.1 Sales Forecast 11 5.4 Milestones 13 6.0 Management Summary 14 6.1 Personnel Plan 14 7.0 Financial Plan 15 7.1 Important Assumptions 15 7.2 Break-even Analysis 15 7.3 Projected Profit and Loss 16 7.4 Projected Cash Flow 20 7.5 Projected Balance Sheet 21 7.6 Business Ratios 23 Table: Sales Forecast 1 Table: Personnel 2 Table: Personnel 2 Table: Profit and Loss 3 Table: Profit and Loss 3 Table: Cash Flow 4 Table: Cash Flow 4 Table: Cash Flow (Cont'd) 5 Table: Balance Sheet 6 Table: Balance Sheet 6 Executive Summary Introduction [YOUR COMPANY NAME] is owned by [YOUR NAME] who has over 30 years of experience in the plumbing industry. The company is a small privately-owned plumbing company headquartered in [YOUR CITY], [YOUR COUNTRY] operating from the residence of [YOUR NAME]. The owner of [YOUR COMPANY NAME], [YOUR NAME] is very involved in the community by making financial donations or services to the: [SPECIFY] Location [YOUR COMPLETE ADDRESS] Phone: [YOUR PHONE NUMBER] Email: [YOUREMAIL@YOURCOMPANY.COM] The location sits on an acre of land with 1200 sq. ft. of office space and 10,000 sq. ft. of space for equipment storage and garage space for vehicle storage. The Company [YOUR COMPANY NAME] has provided plumbing services for [YOUR COUNTRY] for over 10 years. The Company was started to take advantage of the perceived weakness and inadequacies of other regional companies in terms of quality and customer satisfaction. [YOUR COMPANY NAME] has maintained an excellent reputation in the community and industry due to the sales/management and administration skills of [YOUR NAME]. Services [YOUR COMPANY NAME] provides top-quality plumbing services. The owner of [YOUR COMPANY NAME] believes that most companies in this industry suffer two major problems. These are poor scheduling of job projects and poor retention of quality employees. Both lead to lower customer satisfaction, lack of repeat business and a low word-of-mouth referral rate. [YOUR COMPANY NAME] will continue to exploit these weaknesses to gain a greater local market share. The Company will continue to provide its plumbing services in a most timely manner and with an ongoing comprehensive quality-control program to provide 100% customer satisfaction. The Company's owner, [YOUR NAME], sees each contract as an agreement not between a business and its customers, but between partners that wish to create a close and mutually-beneficial long-term relationship. This will help to provide greater long-term profits through referrals and repeat business. Each contract awarded has been and will continue to be completed with the quality and professionalism the Company is known to possess in the industry. The Company is associated with the Better Business Bureau (BBB) of [YOUR COUNTRY]. Financial Considerations The Company expects to receive $1,000,000 in funding to provide the necessary capital to accomplish the following items as outlined in the plan: Purchase John Deer Heavy Equipment Backhoe w/ Hammer, John Deere Skid Steer, John Deere Mini Excavator Hire (4) Plumbers / Equipment Operators Purchase (2) New Service Utility Trucks Purchase High Tech Leak Detector Equipment Advertising Purchase New Office Equipment Capital to increase Company Bonding 1.1 Objectives The objectives of [YOUR COMPANY NAME] are: To substantially improve profitability of the Company in order to hire additional key personnel. To build a clientele on the outer islands to increase revenue. To be more competitive in the plumbing industry by offering more services. Increase Bonding Limit in bid and work on larger projects. 1.2 Mission The mission of [YOUR COMPANY NAME] is to provide top-quality plumbing services. The company will seek to provide these services in the timeliest manner and with an ongoing comprehensive quality control program to provide 100% customer satisfaction. [YOUR NAME] sees each contract as an agreement not between a business and its customers, but between partners that wish to create a close and mutually beneficial long-term relationship. This will help to generate greater long-term profits through referrals and repeat business. 1.3 Keys to Success [YOUR COMPANY NAME] has several keys for success in the future, including: An excellent and untarnished reputation in the community as indicated by an \"A\" rating from the Better Business Bureau (BBB) Quality workmanship performed in a timely manner Competitive but fair pricing Company Summary [YOUR COMPANY NAME] is owned by [YOUR NAME] who has over 30 years of industry experience. The company was formed to take advantage of the perceived weakness and inadequacies of other regional companies in terms of quality and customer satisfaction. [YOUR COMPANY NAME] is located on the property of [YOUR NAME] in [YOUR CITY], [YOUR COUNTRY]. The facilities include an office, storage area for equipment, and garage for vehicles. The Company provides plumbing services for residential, commercial, multi-family units, condominiums, hospitals, federal projects and 5 star platinum green projects. The Company has an excellent reputation in the local community and industry operating with no liens, lawsuits, or customer complaints on file. All licenses and certifications are on file and current with all appropriate departments. 2.1 Company Ownership [YOUR COMPANY NAME] is an S-Corporation owned and operated by [YOUR NAME] and is located in [YOUR CITY], [YOUR COUNTRY]. 2.2 Company History [YOUR NAME] has been operating [YOUR COMPANY NAME] since its inception in 2001. [YOUR COMPANY NAME] has operated from the same location during this time. It has built a reputation for doing quality work with inspection officials, contractors, customers and vendors. [YOUR COMPANY NAME] also takes pride in completing work in a timely manner and within budgets. [YOUR COMPANY NAME] also has an \"A\" rating with the local office of the Better Business Bureau. The past performance table below shows the developments of sales, assets, liabilities, and operating expenses for the last 3 years of business. The Company's sales for 2007, 2008 and 2009 were $486,795, $493,369, and $838,302, respectively. The gross margin for this period was $283,056, $263,493, and $435,569, respectively. Earnings for this period were $61,613, ($8,919), and $99,264. Past Performance 2007 2008 2009 Sales $486,795 $493,369 $838,302 Gross Margin $283,056 $263,493 $435,569 Gross Margin % 58.15% 53.41% 51","Plumbing Company Business Plan","35",964,"https://templates.business-in-a-box.com/imgs/1000px/plumbing-company-business-plan-D12029.png","https://templates.business-in-a-box.com/imgs/250px/12029.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#12029.xml",{"title":6,"description":6},[92,95],{"label":93,"url":94},"Business Plan Kit","business-plan-kit",{"label":93,"url":94},"business continuity plan","/template/business-continuity-plan-D12029",{"description":99,"descriptionCustom":6,"label":100,"pages":8,"size":9,"extension":10,"preview":101,"thumb":102,"svgFrame":103,"seoMetadata":104,"parents":106,"keywords":105,"url":113},"[COMPANY NAME] BUSINESS IMPACT ANALYSIS (BIA) A Business Impact Analysis (BIA) template is a valuable tool for assessing and understanding the potential impacts of various risks and disruptions on your organization. It helps identify critical business functions, prioritize recovery efforts, and develop a Business Continuity Plan. Remember that a BIA should be a dynamic document that is regularly reviewed and updated to reflect changes in your organization's operations, risks, and dependencies. BUSINESS IMPACT ANALYSIS General Information Organization Name: Date of BIA: BIA Conducted By: BIA Contact Information: Risk Identification List potential risks and disruptions that could affect your organization. Include natural disasters, technological failures and supply chain disruptions. Business Functions List all critical business functions or processes within your organization. Identify the responsible department or individual for each function. Criticality Assessment For each business function, assess its criticality using a scale (e.g., high, medium, low), considering factors like financial impact, legal/regulatory consequences, and customer impact. Maximum Tolerable Downtime (MTD) Determine the maximum amount of time each business function can be unavailable before causing severe harm to the organization. Recovery Time Objective (RTO) ","Business Impact Analysis","https://templates.business-in-a-box.com/imgs/1000px/business-impact-analysis-D13610.png","https://templates.business-in-a-box.com/imgs/250px/13610.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#13610.xml",{"title":105,"description":6},"business impact analysis",[107,110],{"label":108,"url":109},"Sales & Marketing","sales-marketing",{"label":111,"url":112},"Market Analysis","market-analysis","/template/business-impact-analysis-D13610",{"description":115,"descriptionCustom":6,"label":115,"pages":116,"size":9,"extension":117,"preview":118,"thumb":119,"svgFrame":120,"seoMetadata":121,"parents":123,"keywords":122,"url":128},"Small Business Expense Report","1","xls","https://templates.business-in-a-box.com/imgs/1000px/small-business-expense-report-D13396.png","https://templates.business-in-a-box.com/imgs/250px/13396.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#13396.xml",{"title":122,"description":6},"small business expense report",[124,127],{"label":125,"url":126},"Credit & Collection","credit-collection",{"label":125,"url":126},"/template/small-business-expense-report-D13396",{"description":130,"descriptionCustom":6,"label":131,"pages":116,"size":132,"extension":10,"preview":133,"thumb":134,"svgFrame":135,"seoMetadata":136,"parents":137,"keywords":142,"url":143},"COMPANY NAME:_______________________ Address: _______________________________________ City: ______________________________ State/Province: ___________ Zip/postal code__________ Country: ________________ Phone: _________________ Fax: __________________ Email: _________________________________________ Purchase Order The following number must appear on all related correspondence, shipping papers, and invoices: P.O. NUMBER: Contact: Address: _______________________________________ City: ______________________________ State/Province: ___________ Zip/postal code___________ Country: ________________ Phone: _________________ Fax: __________________ Email: _________________________________________ Ship To:","Purchase Order",49,"https://templates.business-in-a-box.com/imgs/1000px/purchase-order-D1411.png","https://templates.business-in-a-box.com/imgs/250px/1411.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#1411.xml",{"title":6,"description":6},[138,139],{"label":108,"url":109},{"label":140,"url":141},"Bids & Quotes","bids-quotes","purchase order","/template/purchase-order-D1411",{"description":145,"descriptionCustom":6,"label":146,"pages":8,"size":9,"extension":10,"preview":147,"thumb":148,"svgFrame":149,"seoMetadata":150,"parents":152,"keywords":151,"url":159},"NON-DISCLOSURE AGREEMENT (NDA) This Non-Disclosure Agreement (the \"Agreement\") is made and effective [DATE], BETWEEN: [YOUR COMPANY NAME] (the \"Disclosing Party\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] AND: [RECEIVING PARTY NAME] (the \"Receiving Party\"), an individual with his main address located at OR a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] WHEREAS, Receiving Party has been or will be engaged in the performance of work on [DESCRIBE]; and in connection therewith will be given access to certain confidential and proprietary information; and WHEREAS, Receiving Party and Disclosing Party wish to evidence by this Agreement the manner in which said confidential and proprietary material will be treated. NOW, THEREFORE, it is agreed as follows: NON-DISCLOSURE OF CONFIDENTIAL INFORMATION Both Parties understand and agree that each Party may have access to the confidential information of the other party. For the purposes of this Agreement, \"Confidential Information\" means proprietary and confidential information about the Disclosing Party's (or it's suppliers') business or activities. Such information includes all business, financial, technical, and other information marked or designated by such Party as \"confidential\" or \"proprietary.\" Confidential Information also includes information which, by the nature of the circumstances surrounding the disclosure, ought in good faith to be treated as confidential. For the purposes of this Agreement, Confidential Information does not include: Information that is currently in the public domain or that enters the public domain after the signing of this Agreement. Information a Party lawfully receives from a third Party without restriction on disclosure and without breach of a non-disclosure obligation. Information that the Receiving Party knew prior to receiving any Confidential Information from the Disclosing Party. Information that the Receiving Party independently develops without reliance on any Confidential Information from the Disclosing Party. Each Party agrees that it will not disclose to any third Party or use any Confidential Information disclosed to it by the other Party except when expressly permitted in writing by the other Party. Each Party also agrees that it will take all reasonable measures to maintain the confidentiality of all Confidential Information of the other Party in its possession or control. TERM The term of this Agreement is [number] of [years/months] from the date of execution by both Parties. TITLE The Receiving Party agrees that all Confidential Information furnished by the Disclosing Party shall remain the sole property of the Disclosing Party. DISCLAIMER","Non Disclosure Agreement Nda","https://templates.business-in-a-box.com/imgs/1000px/non-disclosure-agreement-nda-D12692.png","https://templates.business-in-a-box.com/imgs/250px/12692.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#12692.xml",{"title":151,"description":6},"non disclosure agreement nda",[153,156],{"label":154,"url":155},"Legal Agreements","business-legal-agreements",{"label":157,"url":158},"Confidentiality Agreements","confidentiality-agreement","/template/non-disclosure-agreement-nda-D12692",{"description":161,"descriptionCustom":6,"label":162,"pages":8,"size":9,"extension":10,"preview":163,"thumb":164,"svgFrame":165,"seoMetadata":166,"parents":168,"keywords":171,"url":172},"[DATE] [CONTACT NAME] [ADDRESS] [ADDRESS 2] [CITY, STATE/PROVINCE] [ZIP/POSTAL CODE] SUBJECT: LETTER OF INTENT-ACQUISITION OF BUSINESS Dear [CONTACT NAME]: This letter (\"Letter of Intent\") sets forth the basic preliminary terms between the Buyer or his nominee and yourselves regarding the purchase of the [SPECIFY] business (the \"Business\") carried on by yourselves. Except as specifically set forth herein, this Letter of Intent shall not constitute an agreement between the parties and no agreement shall be deemed to exist until execution of a definitive purchase agreement. It is proposed that Buyer will acquire certain assets of the Business which Buyer believes to be necessary to the future of the Business, including the warehouse in [CITY/STATE] in which [COMPANY NAME] the Company has invested [AMOUNT] in cash and which has been financed by a mortgage loan of approximately [AMOUNT] granted by the [SPECIFY COMPANY] [CITY/STATE]. Buyer understands that the said warehouse has no other charges or liabilities affecting it other than the said mortgage loan. Buyer may either purchase the warehouse outright or enter into a lease-purchase or instalment transfer of ownership which is satisfactory to both parties. The gross purchase price for the said warehouse will be [AMOUNT]. Buyer may purchase or lease barrels and other equipment currently owned by the Company which are necessary to operate the Business, on a cash or instalment basis agreeable to both parties. The specific assets to be purchased and the amounts to be paid by Buyer in connection with this transaction remain to be negotiated by the parties. This Letter of Intent also evidences the intentions of the parties with respect to the following agreements: Buyer will enter into a [NUMBER]-year employment agreement with [COMPANY NAME], providing for the Company will be responsible for the purchase of [SPECIFY] for Buyer. The agreement will contain the customary terms and conditions found in employment agreements in similar transactions and will provide for the usual non-competition and non-solicitation covenants to be entered into by the Company in favour of Buyer. It is expressly understood that if the contemplated transaction is consummated, the aggregate amount of commission paid or payable to yourselves (net of reasonable expenses acceptable to Buyer) in respect of all purchases of [SPECIFY] made through you from the date of this Letter of Intent to the date of closing, with the exception of commissions earned on the [NUMBER] truckloads of [SPECIFY] to be delivered to Buyer during the week of [DATE] to [DATE], will be applied against remuneration payable to the Company in the first year of his employment agreement. If the contemplated transaction is not consummated, all such commissions paid or payable will be treated as commissions. Buyer will enter into a [NUMBER]-year employment agreement with [EMPLOYEE NAME], providing for the payment of a gross base salary of [ANNUAL SALARY] per year, to be paid weekly, subject to annual review. [EMPLOYEE NAME] will be President of the Business and the employment agreement will provide for health benefits, automobile, expenses and bonus arrangements","Letter of Intent_Acquisition of Business","https://templates.business-in-a-box.com/imgs/1000px/letter-of-intent_acquisition-of-business-D5197.png","https://templates.business-in-a-box.com/imgs/250px/5197.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#5197.xml",{"title":167,"description":6},"letter of intent_acquisition of business",[169,170],{"label":154,"url":155},{"label":154,"url":155},"letter intent_acquisition business","/template/letter-of-intent_acquisition-of-business-D5197",false,{"seo":175,"reviewer":187,"quick_facts":191,"at_a_glance":193,"personas":197,"variants":218,"glossary":247,"fields":278,"how_to_fill":324,"common_mistakes":365,"faqs":382,"industries":407,"comparisons":424,"diy_vs_pro":441,"related_template_ids_curated":454,"schema":464,"classification":466},{"meta_title":176,"meta_description":177,"primary_keyword":178,"secondary_keywords":179},"Insurance Claim Checklist Template | Free Word Download","Free insurance claim checklist template to track documents, deadlines, and steps when filing a business or property insurance claim.","insurance claim checklist template",[180,181,182,183,184,185,186],"insurance claim checklist","making an insurance claim checklist","business insurance claim form","property damage claim checklist","insurance claim document list","insurance claim steps template","free insurance claim checklist word",{"name":188,"credential":189,"reviewed_date":190},"Bruno Goulet","CEO, Business in a Box","2026-05-02",{"difficulty":192,"legal_review_recommended":173,"signature_required":173},"easy",{"what_it_is":194,"when_you_need_it":195,"whats_inside":196},"A Checklist Making an Insurance Claim is a structured form that guides policyholders through every step and document required to file a business insurance claim from first notice of loss through final settlement. This free Word download lets you customize it to your policy type, check off completed actions, and track submission deadlines — all in one place.\n","Use it immediately after a covered incident — property damage, theft, liability event, or business interruption — to ensure nothing is missed before the insurer's reporting window closes.\n","Incident details, policy information, contact log, required documents, submission deadlines, adjuster notes, and settlement tracking fields — covering the full lifecycle of a claim from first report to final payment.\n",[198,202,206,210,214],{"title":199,"use_case":200,"icon_asset_id":201},"Small business owners","Filing a property damage or theft claim after an incident at their premises","persona-small-business-owner",{"title":203,"use_case":204,"icon_asset_id":205},"Office managers","Coordinating documentation and insurer communications on behalf of the business","persona-office-manager",{"title":207,"use_case":208,"icon_asset_id":209},"Contractors and tradespeople","Submitting a general liability claim after an on-site accident or damage event","persona-contractor",{"title":211,"use_case":212,"icon_asset_id":213},"Risk and compliance managers","Standardizing the claims process across multiple business locations or policies","persona-operations-director",{"title":215,"use_case":216,"icon_asset_id":217},"Retail and hospitality operators","Tracking a business interruption claim following a forced closure or loss event","persona-retailer",[219,223,227,231,235,239,243],{"situation":220,"recommended_template":221,"slug":222},"Claiming for physical damage to business property or equipment","Property Damage Claim Checklist","claim-for-damage-on-shipped-goods-D1051",{"situation":224,"recommended_template":225,"slug":226},"Filing a liability claim after a customer injury on your premises","General Liability Claim Checklist","general-liability-waiver-form-D13981",{"situation":228,"recommended_template":229,"slug":230},"Documenting losses during a business interruption event","Business Interruption Claim Log","client-sessions-log-D13092",{"situation":232,"recommended_template":233,"slug":234},"Reporting a vehicle or fleet incident for commercial auto coverage","Commercial Vehicle Accident Report","accident-report-D13869",{"situation":236,"recommended_template":237,"slug":238},"Submitting a workers' compensation claim after an employee injury","Workers' Compensation Incident Report","incident-report-D12621",{"situation":240,"recommended_template":241,"slug":242},"Tracking an ongoing claim with multiple submissions and adjuster contacts","Insurance Claim Tracker Spreadsheet","notice-of-insurance-claim-D372",{"situation":244,"recommended_template":245,"slug":246},"Filing a claim under a professional indemnity or errors and omissions policy","Professional Indemnity Claim Checklist","checklist-making-an-insurance-claim-D13218",[248,251,254,257,260,263,266,269,272,275],{"term":249,"definition":250},"First Notice of Loss (FNOL)","The initial report made to an insurer notifying them that a covered incident has occurred — the clock for most claim deadlines starts here.",{"term":252,"definition":253},"Policy Number","The unique identifier assigned to your insurance contract, required on every document and communication submitted to the insurer.",{"term":255,"definition":256},"Deductible","The amount the policyholder must pay out of pocket before the insurer covers the remaining loss.",{"term":258,"definition":259},"Proof of Loss","A formal sworn statement submitted to the insurer itemizing the damages or losses claimed and their estimated value.",{"term":261,"definition":262},"Claims Adjuster","The insurer's representative who investigates the claim, assesses the damage or liability, and recommends a settlement amount.",{"term":264,"definition":265},"Subrogation","The insurer's right to pursue a third party that caused the loss in order to recover claim payments already made to the policyholder.",{"term":267,"definition":268},"Business Interruption Loss","Revenue lost and ongoing fixed expenses incurred during a period when business operations are suspended due to a covered event.",{"term":270,"definition":271},"Coverage Limit","The maximum dollar amount the insurer will pay for a covered loss under the terms of the policy.",{"term":273,"definition":274},"Reservation of Rights","A notice from an insurer that it is investigating a claim while reserving the right to deny coverage — it is not a denial but signals the claim is contested.",{"term":276,"definition":277},"Settlement Release","A signed document in which the policyholder accepts a payment amount and releases the insurer from further liability on the claim.",[279,284,289,294,299,304,309,314,319],{"name":280,"plain_english":281,"sample_language":282,"common_mistake":283},"Incident Summary","Date, time, location, and a brief factual description of what happened — the foundation every other part of the claim builds on.","Date of Loss: [DATE] | Time: [TIME] | Location: [ADDRESS/SITE] | Description: [BRIEF FACTUAL DESCRIPTION OF INCIDENT]","Writing an opinion-laden narrative instead of factual statements. Adjectives like 'devastating' or 'negligent' can complicate liability assessments and delay settlement.",{"name":285,"plain_english":286,"sample_language":287,"common_mistake":288},"Policy Information","Insurer name, policy number, coverage type, and the name of your broker or agent — needed on every submission.","Insurer: [INSURER NAME] | Policy No.: [POLICY NUMBER] | Coverage Type: [PROPERTY / LIABILITY / BI / OTHER] | Broker: [BROKER NAME] | Broker Phone: [PHONE]","Referencing only the insurer and omitting the broker. Your broker can expedite FNOL, interpret coverage, and escalate disputes — leaving them out of the loop slows the process.",{"name":290,"plain_english":291,"sample_language":292,"common_mistake":293},"Reporting Deadline","The date by which FNOL must be submitted under your policy terms, and the date you actually reported the loss.","Policy Reporting Deadline: [DATE] | Actual FNOL Date: [DATE] | Reported By: [NAME / TITLE] | Method: [PHONE / ONLINE PORTAL / EMAIL]","Assuming the reporting window is 30 days. Many commercial policies require FNOL within 24–72 hours of discovery — missing it can void coverage entirely.",{"name":295,"plain_english":296,"sample_language":297,"common_mistake":298},"Evidence and Photo Log","A numbered list of photos, videos, and physical evidence collected at the scene, with date/time stamps and descriptions.","Item 1: [PHOTO DESCRIPTION] | File Name: [IMG_001] | Date/Time Taken: [DATE/TIME] | Taken By: [NAME] | Location Stored: [FOLDER/DRIVE PATH]","Collecting photos without logging file names or storage locations. When the adjuster requests specific images weeks later, disorganized files cause delays and look careless.",{"name":300,"plain_english":301,"sample_language":302,"common_mistake":303},"Damage or Loss Inventory","An itemized list of damaged, destroyed, or stolen assets with estimated replacement or repair values.","Item: [ASSET DESCRIPTION] | Serial/Model No.: [NUMBER] | Purchase Date: [DATE] | Original Cost: $[AMOUNT] | Estimated Replacement Value: $[AMOUNT]","Estimating values from memory instead of using purchase records, receipts, or asset registers. Undocumented valuations are routinely reduced by adjusters.",{"name":305,"plain_english":306,"sample_language":307,"common_mistake":308},"Third-Party and Witness Contacts","Names, phone numbers, and statements from witnesses, responsible third parties, or emergency responders present at the incident.","Name: [FULL NAME] | Role: [WITNESS / THIRD PARTY / POLICE OFFICER] | Contact: [PHONE / EMAIL] | Statement Summary: [BRIEF NOTES]","Collecting names but no contact details. Witnesses become unavailable quickly — capture phone and email at the scene.",{"name":310,"plain_english":311,"sample_language":312,"common_mistake":313},"Supporting Documents Checklist","A tick-box list of every document the insurer will require — police reports, repair quotes, financial records, leases, and correspondence.","[ ] Police or incident report | [ ] Repair/replacement quotes (minimum 2) | [ ] Proof of ownership / purchase receipts | [ ] Financial statements (for BI claims) | [ ] Photographs | [ ] Correspondence with third parties","Submitting a claim package with missing documents and waiting for the insurer to ask. Incomplete submissions reset the clock and give adjusters grounds to delay.",{"name":315,"plain_english":316,"sample_language":317,"common_mistake":318},"Adjuster Contact and Inspection Log","Records all communications with the assigned adjuster — dates, content of discussions, inspection visits, and any requests made.","Adjuster Name: [NAME] | Claim No.: [NUMBER] | Date of Contact: [DATE] | Method: [CALL / EMAIL / VISIT] | Summary: [NOTES] | Action Required: [FOLLOW-UP ITEM]","Relying on memory or email threads for adjuster communications. A single log that captures every interaction protects you if the claim is disputed or escalated.",{"name":320,"plain_english":321,"sample_language":322,"common_mistake":323},"Settlement Tracking","Records offer amounts, acceptance or rejection decisions, payment dates, and the status of any settlement release signed.","Initial Offer: $[AMOUNT] | Date Received: [DATE] | Accepted / Rejected: [STATUS] | Counter Offer: $[AMOUNT] | Final Settlement: $[AMOUNT] | Payment Received: [DATE] | Release Signed: [YES / NO / DATE]","Signing a settlement release before confirming all damaged items have been assessed. Once signed, the release typically bars any further claims under that incident.",[325,330,335,340,345,350,355,360],{"step":326,"title":327,"description":328,"tip":329},1,"Complete the incident summary immediately","Record the date, time, location, and a factual description of the loss event as soon as it is safe to do so. Stick to observable facts — avoid assigning blame or estimating values at this stage.","Do this within the first hour. Memory degrades quickly and details noted at the scene are far more defensible than reconstructed accounts.",{"step":331,"title":332,"description":333,"tip":334},2,"Locate your policy documents and confirm the reporting deadline","Pull your current policy, confirm the coverage type, and note the FNOL reporting window. Enter your insurer name, policy number, and broker contact in the policy information field.","Store a digital copy of your policy summary in a cloud folder named 'Insurance' so it is accessible even if the premises are inaccessible after the incident.",{"step":336,"title":337,"description":338,"tip":339},3,"Photograph and log all evidence","Take date-stamped photos and video of all damage before any cleanup or repair. Number each file and record it in the evidence log with a one-line description.","Shoot wide-angle context shots and close-up detail shots of the same damage — adjusters need both to assess scope.",{"step":341,"title":342,"description":343,"tip":344},4,"Build the damage or loss inventory","List every damaged, destroyed, or stolen item with serial numbers, purchase dates, and estimated replacement values. Pull purchase receipts or asset-register entries to support each value.","If receipts are unavailable, use bank statements, credit card records, or manufacturer price lists as backup documentation.",{"step":346,"title":347,"description":348,"tip":349},5,"Collect third-party and witness details","Record names, contact information, and a brief summary of what each witness or third party observed. Obtain copies of any police or emergency responder reports.","Ask witnesses to write and sign a brief statement on the day — a handwritten note is better than nothing if they become unreachable later.",{"step":351,"title":352,"description":353,"tip":354},6,"Assemble the supporting documents package","Work through the supporting documents checklist and tick off each item as you gather it. Submit a complete package rather than sending documents piecemeal.","Most insurers accept PDF submissions via portal or email — combine all documents into one labeled PDF per category to keep the submission organized.",{"step":356,"title":357,"description":358,"tip":359},7,"Track adjuster contacts and inspection visits","Log every call, email, and site visit with the adjuster. Note any items they request and the deadline given. Follow up in writing after every verbal conversation.","A one-line email summary after every phone call ('As discussed, you requested X by Y date') creates an audit trail if the claim is later disputed.",{"step":361,"title":362,"description":363,"tip":364},8,"Record settlement offers and confirm all items before signing any release","Enter each offer in the settlement tracking field and confirm it covers every item in your damage inventory before accepting. Do not sign a release until you are satisfied the settlement is complete.","If the offer appears low, request an itemized breakdown from the adjuster — knowing which line items were reduced tells you exactly what to dispute.",[366,370,374,378],{"mistake":367,"why_it_matters":368,"fix":369},"Missing the FNOL reporting deadline","Most commercial policies require notice within 24–72 hours of discovery. Late reporting can give the insurer grounds to reduce or deny the claim entirely.","Record the reporting deadline in the checklist the moment you identify the policy, and submit FNOL by phone or portal the same day the incident is discovered.",{"mistake":371,"why_it_matters":372,"fix":373},"Submitting an incomplete documents package","Insurers pause the review clock while awaiting missing documents — each gap can add 2–4 weeks to settlement time.","Work through the supporting documents checklist before submitting. Send one complete package rather than a series of partial submissions.",{"mistake":375,"why_it_matters":376,"fix":377},"Signing a settlement release before all items are assessed","A signed release typically closes the claim permanently — items discovered after signing are no longer recoverable under that incident.","Cross-reference the settlement offer against your full damage inventory line by line before signing. Request a revised offer for any items that were omitted or undervalued.",{"mistake":379,"why_it_matters":380,"fix":381},"Failing to log adjuster communications","Verbal commitments made by adjusters that are not documented can be denied later, leaving the policyholder with no written evidence of what was agreed.","Use the adjuster contact log in this checklist and follow up every verbal conversation with a brief written summary sent to the adjuster by email.",[383,386,389,392,395,398,401,404],{"question":384,"answer":385},"What is an insurance claim checklist?","An insurance claim checklist is a structured form that guides a policyholder through every step and document required to file and manage a business insurance claim from the initial incident report through final settlement. It captures policy details, evidence, damage inventories, adjuster contacts, and settlement tracking in one organized document, reducing the risk of missed deadlines or incomplete submissions.\n",{"question":387,"answer":388},"When should I start completing this checklist?","Start immediately after the incident — ideally within the first hour. Recording the incident summary, photographing evidence, and confirming your reporting deadline while details are fresh significantly strengthens the claim. Delayed documentation is one of the most common reasons adjusters reduce settlement amounts.\n",{"question":390,"answer":391},"What documents do I typically need to file a business insurance claim?","Most business insurance claims require a police or incident report (where applicable), dated photographs of the damage, an itemized loss inventory with supporting purchase records or asset-register entries, at least two repair or replacement quotes, and financial records for business interruption claims. Your policy schedule may specify additional requirements — check the claims section before submitting.\n",{"question":393,"answer":394},"How long does a business insurance claim take to settle?","Straightforward property claims with complete documentation typically settle in 2–6 weeks. Complex liability or business interruption claims can take 3–12 months. Submitting a complete, well-documented package on first submission — rather than sending documents piecemeal — is the single most effective way to shorten the timeline.\n",{"question":396,"answer":397},"What happens if I miss the reporting deadline in my policy?","Missing the FNOL deadline gives the insurer grounds to deny the claim on the basis of late notice, even if the loss is otherwise covered. Some jurisdictions and policy types require the insurer to show actual prejudice from the late notice before denying, but this varies. Report all incidents as soon as they are discovered and note the exact deadline in this checklist immediately.\n",{"question":399,"answer":400},"Can I negotiate a settlement offer from the insurer?","Yes. If the initial offer does not cover your documented losses, request an itemized breakdown to identify which line items were reduced or excluded. You can submit additional evidence, obtain independent repair quotes, or engage a public adjuster to represent your interests in the negotiation. Do not sign a release until you are satisfied the settlement is fair and complete.\n",{"question":402,"answer":403},"What is the difference between a public adjuster and the insurer's adjuster?","The insurer's adjuster works for the insurance company and assesses the claim on its behalf. A public adjuster is an independent professional hired and paid by the policyholder to prepare, present, and negotiate the claim. Public adjusters typically charge 5–15% of the final settlement and are most valuable for large or complex claims where the initial offer appears significantly below actual loss.\n",{"question":405,"answer":406},"Do I need a lawyer to file an insurance claim?","For most standard business property or liability claims, a lawyer is not necessary — this checklist and thorough documentation are sufficient. Consider engaging a lawyer if the insurer issues a reservation of rights letter, denies the claim outright, or if the claim involves significant liability exposure to third parties or litigation.\n",[408,412,416,420],{"industry":409,"icon_asset_id":410,"specifics":411},"Retail and hospitality","industry-retail","Business interruption claims for forced closures, stock spoilage losses, and customer liability incidents on premises.",{"industry":413,"icon_asset_id":414,"specifics":415},"Construction and trades","industry-construction","Tools and equipment theft, site damage events, and general liability claims from third-party property damage or injury.",{"industry":417,"icon_asset_id":418,"specifics":419},"Professional services","industry-professional-services","Professional indemnity and errors and omissions claims requiring documentation of engagement scope, advice given, and client losses alleged.",{"industry":421,"icon_asset_id":422,"specifics":423},"Manufacturing","industry-manufacturing","Machinery breakdown, fire or flood damage to stock, and product liability claims requiring batch records and quality documentation.",[425,429,433,437],{"vs":426,"vs_template_id":427,"summary":428},"Incident Report","D{INCIDENT_REPORT_ID}","An incident report documents the facts of an accident or event for internal records and HR or safety compliance purposes. An insurance claim checklist goes further — it guides the full claims process including documentation gathering, adjuster communications, and settlement tracking. The incident report is often one input into the claim checklist, not a substitute for it.",{"vs":430,"vs_template_id":431,"summary":432},"Property Damage Report","D{PROPERTY_DAMAGE_REPORT_ID}","A property damage report focuses specifically on describing and photographing physical damage to assets. An insurance claim checklist covers the entire claims lifecycle — from FNOL and policy details through document submission, adjuster contact logs, and settlement. Use both together for property claims: the damage report feeds the claim checklist.",{"vs":434,"vs_template_id":435,"summary":436},"Business Continuity Plan","business-continuity-plan-D12029","A business continuity plan outlines how operations are maintained or restored during and after a disruptive event. An insurance claim checklist handles the parallel financial recovery process — documenting losses and securing compensation. Both should be activated simultaneously when a major incident occurs.",{"vs":438,"vs_template_id":439,"summary":440},"Risk Assessment Template","D{RISK_ASSESSMENT_ID}","A risk assessment is a proactive document used before incidents occur to identify hazards and mitigation measures. An insurance claim checklist is reactive — it is used after an incident to manage the claims process. The risk assessment helps prevent claims; the claim checklist manages them when prevention fails.",{"use_template":442,"template_plus_review":446,"custom_drafted":450},{"best_for":443,"cost":444,"time":445},"Small and mid-size businesses filing standard property, equipment, or liability claims","Free","30–60 minutes to complete",{"best_for":447,"cost":448,"time":449},"Claims over $50,000 or those involving disputed liability or a reservation of rights letter","$300–$1,500 for a public adjuster review or broker consultation","1–3 days",{"best_for":451,"cost":452,"time":453},"Complex multi-party liability claims, denied claims requiring legal escalation, or claims involving business interruption over $100,000","$2,000–$10,000+ for a public adjuster or insurance attorney","2–8 weeks",[435,455,456,457,458,459,460,461,226,238,462,463],"business-impact-analysis-D13610","small-business-expense-report-D13396","purchase-order-D1411","non-disclosure-agreement-nda-D12692","letter-of-intent_acquisition-of-business-D5197","vendor-agreement-D13292","independent-contractor-agreement-D160","lease-agreement-D1179","sales-invoice-D383",{"emit_how_to":465,"emit_defined_term":465},true,{"primary_folder":467,"secondary_folder":468,"document_type":469,"industry":470,"business_stage":471,"tags":472,"confidence":476},"finance-accounting","business-insurance","checklist","general","all-stages",[469,473,474,475,468],"compliance","risk-management","insurance-claim",0.92,"\u003Ch2>What is a Checklist Making an Insurance Claim?\u003C/h2>\n\u003Cp>A \u003Cstrong>Checklist Making an Insurance Claim\u003C/strong> is a structured form that guides business owners and managers through every step required to file, document, and track an insurance claim from the moment an incident occurs through final settlement. It captures policy details, evidence logs, damage inventories, adjuster contacts, required documents, and payment records in a single organized reference — replacing the fragmented process of hunting through emails, photos, and notes when the insurer asks for information. Available as a free Word download, it can be customized to any coverage type — property, liability, business interruption, or equipment — and completed incrementally as the claim progresses.\u003C/p>\n\u003Ch2>Why You Need This Document\u003C/h2>\n\u003Cp>Filing an insurance claim without a checklist is how legitimate losses go undercompensated. Reporting deadlines as short as 24 hours can void coverage if missed. Incomplete document packages pause the adjuster's review clock for weeks at a time. Undocumented verbal commitments from adjusters disappear when the claim is escalated. And policyholders who sign settlement releases before confirming all damaged items have been assessed forfeit any recourse on items discovered afterward. This checklist eliminates each of those risks by prompting you to capture evidence immediately, confirm your reporting window, assemble a complete submission package, and maintain a written record of every insurer interaction — giving you the organized paper trail needed to secure a fair and timely settlement.\u003C/p>\n",1779808923736]