Contractor Insurance
Claims Submission Guide
Protect Your Business by Submitting Claims the Right Way
Accidents happen—equipment damage, employee injuries, or third-party claims. Quick, accurate claim submission helps avoid delays and protects your bottom line. At Affordable Contractors Insurance (ACI), we walk you through the process step-by-step, so you’re covered and confident from day one.
Step-by-Step Claims Submission Process
Follow these five essential steps to ensure your claim is processed quickly and accurately:
1. Document the incident immediately
Collect as much relevant information as possible right after the incident occurs.
- Take photos of any damage or injuries.
- Get witness statements if available.
- Record key details like time, location, and description of the event.
2. Notify ACI and your carrier
Contact ACI within 24 hours of the incident to begin the claims process. Delays in reporting can lead to complications or claim denials.
- Call our claims department directly to report the issue.
- If applicable, report any injury-related incidents to OSHA within required timeframes.
3. Complete the necessary claim forms
Our team will provide you with the appropriate claim forms based on your policy type. Make sure to:
- Accurately describe the incident and affected parties.
- Include invoices, repair estimates, or medical reports as supporting documents.
- Double-check for errors or missing details—inaccuracies can delay processing.
4. Submit proof of insurance
If required by a third party or client, submit your certificate of insurance along with the claim. This helps confirm your coverage and expedites claim approval. If required by a third party or client, submit your certificate of insurance along with the claim. This helps confirm your coverage and expedites claim approval.
5. Cooperate with the adjuster
Your carrier may assign a claims adjuster to investigate the incident. Be prepared to:
- Provide additional documentation of requested.
- Allow site visits to inspect damages or gather more information.
- Respond quickly to inquiries to avoid delays.
Preparing for Insurance Audits
Insurance audits are routine for contractors. Staying organized and proactive ensures smooth audits without surprises. Tips for a Successful Audit:
Keep Payroll Records Clean
Ensure that subcontractor details, wages, and classifications are accurately recorded.
Track Equipment Usage and Ownership
Make sure tools, vehicles, and leased equipment are properly logged and insured.
Stay Updated on State Regulations
Changes in state laws can impact your insurance needs—let ACI help you adjust coverage in advance.
Organize All Claim-Related Documents
Keep everything related to past claims stored securely in one place to prepare for audits
Get Back to Work—We’ve Got Your Back
Accidents and claims are part of doing business, but with ACI on your side, the process doesn’t have to slow you down. Submit your claim quickly and easily, and let us handle the rest while you focus on the next project.