How to File an Insurance Claim & What to Expect

In the event that somebody is injured or property gets damaged, it is of utmost importance to promptly file an insurance claim. The sooner a claim is filed, the sooner it can be resolved. Plus, early reporting makes for more accurate witness statements and evidence collection in the event of litigation.

If an incident does occur at your business, we’ll guide you through the claims process — here is how to file an insurance claim and what to expect.

What is an Insurance Claim?

Insurance claims are formal requests to your insurance provider requesting monetary coverage for expenses after some form of policy incident — injury, fire, crime, data breach, etc. — that is covered by your insurance policy. Coverage is determined by the language in the insurance policy. If, for example, you do not have an insurance policy that covers fire damage, you will not be reimbursed for the damages that a fire causes.

How to File an Insurance Claim with Society Insurance

Workers Compensation Claims

  1. Immediately call us at 888-576-2438 or email The sooner you act, the better. 
  2. You may also call the Society Nurse Triage 24/7 at 877-501-3050 for non-emergency work injury recommendations before treatment is pursued or to report a claim outside of regular business hours.
  3. Fill out a First Report of Injury (FROI) form. Click here to find specific information for your state.

Property Casualty Claims

  1. Contact the appropriate authorities (police, firemen, etc.) and file a report. Do not discuss the incident with anyone except the proper authorities and Society Insurance.
  2. Call 888-576-2438, email or get in touch with your independent agent.
  3. Preserve any evidence of the incident in question, including: video evidence, pictures and witness testimony/voice recordings. Click here for what to do in specific situations.
  4. Within 24 hours of filing a Property Casualty claim, one of our dedicated claims representatives will be in touch to guide you through the claims process.

Misconceptions and Truths About Filing an Insurance Claim

Unfortunately, many people are either misinformed or make false assumptions about reporting an insurance claim and its effects on their business. Here are some truths about the process that may surprise you:

  1. You are not admitting wrongdoing or liability by submitting an insurance claim. If, hypothetically, somebody is injured on the job and you file a claim, you are not admitting fault. You’re merely reporting an occurrence and collecting evidence at an early stage while memories are fresh in order to avoid further liability.
  2. Filing a claim does not automatically increase your premiums. Changes in premiums are circumstantial.
  3. Your Society agent cares about helping you navigate stressful times by answering your questions, providing clear and concise information, next steps, and how to further protect your livelihood.
  4. While it can depend on the scenario, most insurance claims are processed relatively quickly. Filing a claim does not mean you’ll be waiting on your payout for months on end.

Society Insurance Will Guide You Through the Claims Process

Whether it’s sending a claims professional to investigate an accident, locating the nearest repair shop or using one of our many cost containment programs, Society helps take care of the details so you can get back to business.

Contact your local Society agent today to learn more.


As a mutual insurance company, we operate and exist for the benefit of our policyholders. For more than 100 years, Society has been helping businesses overcome the unexpected with comprehensive coverage packages and outstanding claims handling, underwriting and risk management.

Latest Articles

Why You Should Inspect Your Restaurant’s Seating

 Ensuring your restaurant seating is solid and safe is an often overlooked aspect of owning a...

Five of the Most Common Workplace Injuries for Young Workers

Young or newly hired employees are getting injured more often than older, more experienced...

4 Ways to Improve Remote Offices

Remote work, also known as ‘work from home’ or telecommuting, has become increasingly...

Best Practices For Employee Chemical Protection in the Workplace

Safety in the workplace should be a top priority for every business. Concerns such as electrical...

How to Choose Between Small Business Insurance Carriers

As a small business owner, much of your day-to-day life is concerned with how your business can...

The Importance of Early Claims Reporting

Claims Reporting: A Hypothetical Issue One of your kitchen employees accidently cuts their finger....

Six Creative Ways to Recruit Employees

It is estimated that losing an employee can cost anywhere from 1.5 to 2 times the employee’s...

How to Prevent Floods from Damaging Your Business

The continued impact of extreme weather events isn’t lost on businesses: according to one report,...

What is the Difference Between a Balance Sheet and an Income Statement?

Maintaining detailed financial records is just one of many aspects to running a successful...

Attracting and Maintaining a Modern Workforce

More than ever, businesses are realizing that in order to appeal to a modern workforce they need...

Stay up to date with industry updates by subscribing to the Society Insurance blog!