Report ALLGeneral Liability claims as soon as you, or anyone else insured under your policy, is aware that something has happened.
Even if you only think someone may have been hurt, or that someone’s property may have been damaged – REPORT IT.
Report ALLSUITS filed against you. There is a time limit for responding to suits, so please DON’T DELAY.
Many third party liability claims start as minor incidents that no one thinks are important at the time.
FOR EXAMPLE, someone slips and falls while visiting your model home, but insists they don’t need medical attention. This person may file a claim, or suit months, or even years later.
You may not have coverage then if you knew about the incident, but failed to report it in a timely manner.
A good RULE OF THUMB: if you know about it, REPORT IT.
Your premium WILL NOT go up just because you file a claim.