Expertise, understanding and a healthy dose of give a damn
We promise to be there when it matters most. We’re part of a global group, but proud to be a community broker. Bringing world-class claims expertise and insight to you, delivered with a personal touch from our UK claims specialists.
The first step in the event of any claim is to let us know about it. Your usual contact will then put you in touch with your dedicated claims advisor - a real person - assigned to you and your business, whose job is to help you through the claims journey. We know what’s important to you – getting on with business. So we’ll make the claims process as simple, solution focused and swift as humanly possible.
Expect something of real value
- Our claims team handled more than 43,000+ in 2020!
- 90+ in-house claims advisors – we are based in the UK to support you and your business when you need us most.
- Access to expert claims consultants – If you have a large loss, there is specialist support on hand for your business at a critical time.
Out of hours emergency
If you need to report a claim to your insurer directly, you can find emergency numbers here.
How to make a claim with Marsh Commercial
What to do in the event of a claim
Notifying us
If you have an incident involving your property, it is important you act quickly by contacting your usual contact. Our dedicated claims team will support and guide you throughout the process.
Top tips
• Quickly notifying us of an incident will help us to control the costs of your claim
• Remember to take photographs of any damage as evidence to support your claim
What information will you need?
• Date the incident happened
• Address where the incident occurred
• Details of what has happened
• Photographs of any damage
• Evidence of potential costs and impact on your business
• Details of any other parties involved
• Occupancy and use of the property at the time
• Crime reference and police authority details for any thefts
Getting you back in operation
We will liaise with your insurers and keep you informed throughout the claims process. Insurers can appoint loss adjusters, builders, decorators and surveyors and source replacement items. Once they have assessed the loss a settlement will be made. If you have experienced a major loss like a flood or fire, our specialist in-house claims consultancy may be able to assist. Your claims handler will be able to go through all of your options with you.
What to do in the event of a claim
Notifying us
If you have been involved in an accident or your vehicle has been stolen, please contact your usual contact as soon as you can. Our dedicated claims team will support and guide you throughout the process.
What information will you need?
• Date of accident
• Vehicle registration
• Full driver details:
Name
Date of birth
Test date
Convictions and licence endorsements
• Third party details and vehicle registration
• Witness contact details
• Photographs of damage to your vehicle, if applicable
• Photographs of damage to any other vehicles involved and of the scene of the accident, if applicable and available
Repairs
Your insurer will provide you with a courtesy vehicle and instruct an approved network repairer to assess your vehicle and carry out repairs. If you wish to use your own repairer you will need to have a repairs estimate completed, and to send this to your claims handlers for review. Your dedicated claims handler will be able to discuss all the options with you.
Theft
If your vehicle has been stolen, please report it to the Police within 24 hours, and advice us of your Crime Reference Number.
Third party claims
If you are contacted by a third party representative, please advise us immediately. Make sure to send us any correspondence you receive unanswered.
Non fault loss recovery
For accidents where you are not at fault and the third party has accepted blame, your insurers will seek recovery of your losses. If you have opted for Motor Legal Expenses insurance, legal fees resulting from this action will be covered by your policy.
What to do in the event of a claim
Notifying us
In the event of an incident leading to injury or property damage, involving an employee or member of the public, please notify your usual contact as soon as possible. We will then engage with your insurers and guide you throughout the process.
Top tips
• Any letters received in connection with an incident should be sent straight to us, without response
• Any legal proceedings should be emailed to us immediately, as these have tight legal deadlines
• Never admit responsibility without the prior authority of your insurer
What information will you need?
• Accident record and internal incident report
• Report to the health and safety executive – this can be submitted online at www.riddor.gov.uk
• Statements from any witnesses
• Photographs taken after the accident
• Relevant risk assessments
• Employee training and personal protective equipment
• Maintenance records
• Wage details (for employers liability) for thirteen weeks prior to accident
What to do in the event of a claim
Notifying us
In the event of a loss or a potential claim please contact your usual contact immediately, as transit and marine insurance has strict time limits of claims notification. We will then contact your insurers and guide you throughout the process.
Top tips
• Prompt notification will help us to control the costs of any claim and ensure deadlines are not missed
• Early notification of any incidents involving damage to goods will allow your insurers to fully investigate matters and address claims early
What information will you need?
• Date of incident
• Details of how the loss occurred
• Location of the goods
• Evidence of costs and impact on business
• Other parties involved
• Transit documents
• Photos of the damage
• Commercial invoice including weight of consignment
• Any correspondence you have received from other parties involved
What to do in the event of a claim
Notifying us
In the event of an emergency whilst travelling, your travel policy helpline will offer 24 hour assistance. They will arrange medical appointments or treatment if you are injured, require a hospital or need help returning home. If you do not have your policy information containing this helpline number with you, please consult our emergency contacts page and locate your insurers.
If the incident does not require immediate assistance, please notify your usual contact as soon as you are able. They will be able to direct you to your dedicated claims handler, to guide you through the claims process.
What information will you need?
• Completed claim form - your dedicated claims handler will be able to provide a blank copy
• Copies of travel documents: tickets, invoices, or boarding passes
• Receipts for any costs incurred
• Crime reference in the event of theft or loss of belongings
• Copies of purchase invoices for items lost or stolen
• Airline report in the event of lost luggage
What to do in the event of a claim
What policies do financial claims fall under?
• Directors and officers
• Professional indemnity
• Legal expenses insurance
• Management liability
• Employment practices liability insurance
Notifying us
Due to the nature of this type of insurance, these policies react on a claims-made basis. This means that no matter what date of an alleged incident, your current policy will be used in the claims process. Please contact your usual contact as soon as possible. They will direct you to your dedicated claims handler, who will guide you through the claims process.
Top tips
• Some policies have a time frame of only a few days for notification, therefore please notify us as soon as you become aware of any claim or circumstance
• It is vital to inform us prior to undertaking any legal action or incurring any legal fees or representation costs
Reporting
Under the terms of your policy you are required to notify any claims including any allegations, disputes or grievances raised which may rise to a claim against you.
Examples of things to report:
• HSE/HMRC investigations
• Grievance raised by an employee
• Allegations of professional negligence
What information will you need?
• Claimants details
• Date you first became aware of the circumstance which may give rise to claim
• Background information/brief chronology of events
• Details of the circumstances together with your comments on liability
• Potential claim value