How to File a Claim on Your Trade Insurance Policy
If you are looking for details on filing a claim on your trade insurance policy, you have come to the right place. At Rhino Trade Insurance, we offer various trade insurance options and take great pride in being open and transparent with your policy.
We are here to make life easier for you, don't worry about all the insurance jargon you see on other websites. If you are trying to figure out what to do in the event of an on-site accident, who to contact, what information you require, and what actually transpires once the claim has been filed, allow us to explain!
Our first port of call: what is tradesman insurance?
Trade Insurance covers a variety of areas. Public Liability Insurance is the foundation of all trade insurance policies. This protects you in the event a member of the public or a third party taking legal action against you or your company. Public Liability Insurance for tradespeople is a business-critical policy meant to pay for damages, deaths, and accidental injuries caused by your job.
The coverage provided by your Public Liability Insurance will be limited to a certain amount. Rhino Trade Insurance provides protection ranging from £1 million, £2 million, and £5 million.
On top of this baseline policy, you can build your own tailored package. If you want to protect yourself from accidental injury (which pays you a lump sum in the event that you can't work), you can add this. Want to protect your tools from being stolen, lost or damaged? You can insure them too. We offer several other valuable trade policies. Get a quote here.
But how do you process a claim?
Having tradesman insurance is one thing, but anticipating a mishap on a job is another. Working in the trades carries risk, it's obvious. However, should something take a turn for the worse, we recommend staying calm and following these steps to file a claim:
Quickly reduce any additional risk.
It would be best to act quickly and responsibly when you learn that an accident has occurred. Hopefully, this will reduce the likelihood of further harm, damage, or death. As you have a duty of care, your priority should be to ensure that everyone on the site is safe.
Take stock after this, and don't accept blame instantly because any ensuing claims will need to be adequately investigated before compensation is paid.
Now begin to record the event.
As a business owner, this is where you need to assess the situation. Do a forensic sweep of the entire scene and collect as much information as possible. Any evidence, no matter how insignificant it may appear, could be crucial to your claim because it could reveal who or what caused the accident in the first place. When looking for specifics, keep these things in mind:
- The incident's time and date
- What transpired during it
- The names and contact information of everyone present at the time of the incident.
You can also take pictures of the accident and observe any CCTV footage on the site. All of this can be used as evidence to show what happened, primarily if it supports any statements made by witnesses.
Examine the policies you have.
If you want to claim on your Public Liability Insurance, you next need to find the paperwork for your policy or go online and sign into your Rhino Trade Insurance account.
This is because you should check the steps needed to notify your insurance company. After all, every trade insurance company will have a different way of handling a claim. You must follow the correct procedure for filing a claim in order to avoid jeopardising your insurance claim.
Checking your insurance documents will also help you remember how much Public Liability Insurance you have and what to expect when you file a claim.
You can download the documents for your policy by logging into your online account. The relevant documents and contact information you need to submit your claim can be found here. The following is a breakdown of the forms that can be found in your account:
- Policy Schedule
This shows when your policy started, when it ends, and how much coverage you have.
- Policy Wording
This specifies the terms of the removed policy. For instance, what the policy covers and what it doesn't.
- Certificate of Insurance
A certified document that attests to your insurance coverage is known as a Certificate of Insurance. This is something you can show customers when speccing a job.
- Terms of Business
This document provides the customer with a clear understanding of Rhino Protect Limited's (Rhino Trade Insurance's trading company) business terms.
What to do next, and what documentation is needed?
When you call or email Rhino Trade Insurance, having every piece of documentation or evidence on hand is the best way to get your claim started. As previously stated, photos of the accident, any police report you may have, and a medical report are the best forms of evidence.
Gathering this information means you will be best prepared to present your insurer with the claim. However, don't waste any time; the longer you leave to make a claim, the less likely you will be successful in receiving compensation.
The possibility of switching insurance providers after an incident occurs is an interesting point to bring up. Whoever your Public Liability Insurance provider was during the accident would be responsible for paying the claim. Not the insurer who you switch to after making a claim.
Informing your insurer
Now is the time to inform us or your insurer in this instance. After compiling your evidence, review any Public Liability Insurance paperwork and let us know you are ready to talk. Then, get in touch with one of our claims specialists as soon as possible.
Once you have begun a dialogue with us, we will need all your information regarding the incident to process the entire Public Liability Insurance claim. This includes your name, company information, insurance policy number, and personal information. Who suffered harm? What was broken? Where exactly was the work being done? Who was responsible? If you are unsure, you can get assistance from one of our insurance experts, who have worked on various claims for over 20 years.
Support us along the way
What happens once a claim for Public Liability Insurance is registered? You might think you can take a breather, but we cannot take our foot off the gas just yet! We will get to work once we have all the information we need about the accident and tell you how the process is going.
When handling a claim of this nature, one of the most common issues is needing to visit the scene of the incident or speak with those involved. Because of this, you need to give your insurance company complete control over the process. This is so that we can determine who is to blame and whether we can defend or settle the claim; we must comprehend all of the facts.
All of these details will be explained to you by a Rhino claims expert, so if you have any questions, we will be there to help. We have handled numerous cases previously and have thousands of five-star reviews as a result of our service. Please check them out here.
How do I contact the insurance company?
When you first take out your policies, you will receive all of your essential documents for the insurance - this includes every contact number you will need to contact us.
Don't fear, though! We understand this is a testing time. Give Rhino a call if you need help finding your policy documents; we'll help you find your information and walk you through the process.
It's easy to get in touch with our claims department. Visit our website and click the "claims" button in the upper right corner. The number or email required for your Public Liability Insurance claim will be displayed there. You can also contact our claims department by selecting option 3 when you call our standard number, 0116 243 7904.
Why choose Rhino Trade Insurance?
As the only dedicated insurance company in the United Kingdom that concentrates on trade insurance, Rhino Trade Insurance is where you will be best served for your Public Liability Insurance needs.
We have worked with a range of tradespeople for more than two decades and, as a result, have developed some wonderful relationships with quality tradesmen and women. We know that every trade has its own risks and dangers. That's why we provide bespoke policies and packages for every trade we cover. These include electricians, handymen, gardeners, plasterers, bricklayers and many more.
The finishing touch? We can give you a quote in minutes without knowing your life story. You can call our UK-based team for a friendly chat and have any questions answered or visit our world-beating quote engine online.