Should I report my claim to my broker or directly to the insurer?

Either works — the coverage is the same. Call us first when you want guidance before anything is on the record: we'll confirm what's covered, help you decide whether to claim, and open the file with the insurer alongside you. Call the insurer's 24/7 line directly when it's urgent — burst pipes at 2 a.m. don't wait for office hours — and loop us in the next morning so we can advocate from the start.

What information should I have ready when I report a claim?

Your policy number, the date, time, and location of the loss, a plain description of what happened, photos or video of the damage, and any incident or police report number. Don't wait until it's all assembled — report first and add details after. Late reporting causes more claim problems than missing paperwork ever does.

Will making a claim raise my premium?

Sometimes — it depends on the claim's size, type, fault, and your history, and it's exactly the conversation to have with us before you decide. For losses close to your deductible, claiming can cost more at renewal than it pays today; for serious losses, that's what the insurance is for. We'll run the math with you honestly.

What should I do before the adjuster arrives?

Make the site safe, then prevent further damage — tarp the roof, shut the water off, board the window. Insurers expect reasonable mitigation and cover its cost; they don't expect repairs before inspection. Photograph everything before you touch it, and keep damaged property and receipts until the adjuster confirms otherwise.

How long does a business claim take?

Simple property and equipment claims often settle in days to a few weeks. Larger losses with business interruption, and any liability claim where someone alleges injury, run months — liability files stay open as long as the legal process does. We keep the insurer moving and keep you informed at each stage.

What if I disagree with the insurer's decision or settlement?

This is where a broker earns their place: we challenge the file with the insurer first — coverage interpretation, valuation, scope. Beyond that, every policy includes dispute mechanisms like appraisal for valuation disagreements, and complaint escalation through the insurer's ombudsperson. You don't have to argue with an insurer alone; it's literally our job to do it with you.

A third party is claiming against my business — what do I do?

Don't admit fault, don't negotiate, and don't ignore it — send us the demand letter or statement of claim immediately. Your liability policy's duty to defend means the insurer appoints and pays the lawyers. The single biggest mistake is replying on your own first; the second biggest is reporting it late.

Claims

Something happened. Here's what to do next.

A policy is a promise, and a claim is where it's kept. Report it to us, or straight to your insurer's 24/7 line — either way, Insurabiz stays on the file as your advocate from first call to settlement.

Call us: 613-355-3130 Insurer 24/7 claims lines

In an emergency — injury, fire, active break-in — call 911 first.

The process

Three steps, and you're not doing any of them alone

Make it safe, then document

People first — 911 for emergencies. Then stop the damage getting worse (shut the water, tarp the roof) and photograph everything before touching it. Keep receipts for anything you spend mitigating; it's covered.

Report it

Call us during business hours for guidance before anything's on the record, or your insurer's 24/7 line below when it can't wait. Have your policy number and the basic facts — details can follow.

We advocate to settlement

We open and track the file, deal with the adjuster in your corner, challenge coverage and valuation decisions that deserve challenging, and keep the insurer moving until the claim is paid.

Have on hand when you report

Policy number (it's on your certificate)
Date, time, and location of the loss
What happened, in plain words
Photos or video of the damage
Police / incident report number, if any
Receipts for emergency mitigation

Email us about a claim

24/7 insurer lines

Your insurer's direct claims line

After hours or urgent? Report straight to your insurer — every line below is the claims number, not a sales queue. Then tell us, and we'll pick the file up with you.

Something happened. Here's what to do next.

Three steps, and you're not doing any of them alone

Make it safe, then document

Report it

We advocate to settlement

Have on hand when you report

Your insurer's direct claims line

Aviva

Chieftain

Chubb

Coachman

The Dominion

Echelon

Economical

Gore Mutual

Hagerty

Intact

Jevco

NautiMax

Portage Mutual

Premier Marine

SGI

Travelers

Wawanesa

Claims FAQs

Don't face an adjuster alone.

Something happened. Here's what to do next.

Three steps, and you're not doing any of them alone

Make it safe, then document

Report it

We advocate to settlement

Have on hand when you report

Your insurer's direct claims line

Aviva

Chieftain

Chubb

Coachman

The Dominion

Echelon

Economical

Gore Mutual

Hagerty

Intact

Jevco

NautiMax

Portage Mutual

Premier Marine

SGI

Travelers

Wawanesa

Claims FAQs

Don't face an adjuster alone.