Claims FAQs

Contact your broker at Boardwalk Insurance immediately. We will notify the insurer on your behalf and guide you through the required documentation to ensure the process is initiated correctly and efficiently.

A designated risk manager, officer, or principal of the company should be the primary contact. This ensures that information is communicated clearly and authoritatively. We can help establish this protocol with you.

You will need your policy number, a detailed description of the incident (including date, time, and location), the extent of the damage or injury, and any relevant documents such as incident reports or police file numbers.

First, take immediate steps to mitigate further damage and ensure the safety of your employees and customers. Document the damage thoroughly with photos and videos before starting any cleanup, and contact us as soon as possible.

A claims adjuster appointed by the insurer will inspect the damaged items. They will assess whether the items can be repaired or need to be replaced, based on your policy terms. Keep all damaged items for inspection.

Yes, most commercial property policies cover the reasonable costs of temporary repairs to prevent further damage. Coverage for temporary replacement equipment may also be included, subject to your policy limits.

If your business is served with a lawsuit, do not admit fault. Contact us immediately and provide us with a copy of the legal documents. We will report it to your insurer, who will manage your legal defense as per your liability policy.

Typically, yes. Commercial General Liability (CGL) policies include coverage for legal fees, court costs, and settlements or judgments, usually outside the limit of liability, meaning it won't deplete your coverage amount.

Liability claims, especially those involving lawsuits, can be complex and take months or even years to resolve. The timeline depends on the specifics of the case and the legal process.

This coverage is designed to replace lost net income and cover ongoing operating expenses (like rent and payroll) if your business is forced to shut down temporarily due to a covered property loss.

Insurers typically analyze your historical financial records (e.g., profit and loss statements) to project the income your business would have earned during the shutdown period had the loss not occurred.

Yes, business interruption policies often include "extra expense" coverage, which pays for reasonable and necessary costs to resume operations at a temporary location while your primary premises are being repaired.

Immediately disconnect affected systems to prevent further intrusion. Do not pay any ransom demands. Contact us to activate your cyber insurance policy, which provides access to a breach coach and expert response team.

Yes, a key feature of cyber insurance is access to a 24/7 incident response team, which includes IT forensic experts who will investigate the breach, contain the threat, and restore your systems.

Insurers understand the urgency of cyber incidents. Response services, including legal counsel and IT forensics, are typically deployed within hours of reporting the claim to the dedicated hotline.

For straightforward claims, payment can be processed quickly after the investigation is complete. For more complex claims like liability or business interruption, the process takes longer, but interim payments may be possible.

Yes. A claim may be denied if the loss falls under a policy exclusion, if there was a breach of policy conditions, or due to misrepresentation. The insurer must provide a detailed, written explanation for the denial.

If you disagree with a claim decision, you can initiate the dispute resolution process outlined in your policy. This may involve internal review by the insurer, mediation, or legal action. We will advocate for you throughout this process.