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Report a small business claim
Start your claim 24 hours a day, 7 days a week with just a few basic details of what happened. We'll help you get quick and fair claims resolutions for your peace of mind.
Small business customers
844-325-2467 (844-3-CLAIMS) businesslinesclaims@libertymutual.com
Report injuries quickly to protect your business and help reduce potential costs and disruptions
Accidents happen, and when a third-party injury occurs in your place of business—even if the injury is minor—report it immediately so we can thoroughly investigate the incident. Reporting urgent issues helps us gather pertinent information while it's still available and be prepared if a claim arises later.Fixing damage or paying for injuries out of your own pocket could affect your claim
It's best to report your claim and allow us to complete our coverage and liability investigation, evaluate the damages, and then resolve it directly with you or the claimant with a release and payment. Repairs you make yourself or payments made to claimants before we complete our investigation can potentially violate the terms of your coverage and lead to a denial of reimbursement.Helpful information when filing a claim
Providing the following at the start can move your claim faster:
- Date, location, and approximate time of what happened, including injuries being claimed.
- Photos and inventory of damaged property, including make, model, and age of affected vehicles.
- Description of what happened
- Police and fire reports and applicable surveillance video evidence.
- Important documents like estimates, invoices, and reports from experts (ex. plumbers).
- Contact information of any claimants, witnesses, and third-parties like contractors or vendors.
How does my deductible work?
A deductible is the amount you are responsible for paying toward a claim before your coverage kicks in,
even if you're not at fault. For a covered claim, we'll determine the Actual Cash Value of your property
based on the cost to replace it minus depreciation, and apply your deductible according to the details of your policy.
What we pay you for your claim is the difference between the two numbers.
The claims process
While every claim is different, most follow these steps:
File the claim
It's important to start your claim as soon as possible, even if you're missing some information. You can always fill in the gaps later, if necessary.
Claim investigation
A claims adjuster will review the details of your claim, including the incident and any damages. They'll determine if it's covered under the terms and conditions of your policy.
Damage evaluation and estimate
The cost of repairing or replacing your property or liability for damages is determined based on the results of the claim investigation.
Deductible payment
You're responsible for paying the amount of your deductible. After that, the rest is covered up to your policy limits.
Resolution and settlement
Payment is issued for damaged property, or for covered liability claims. After this, the claim is considered resolved.
Helpful Resources & Links
Access tools and information to assist you with filing a claim.
Manage your policy and find the information you need in your online account.
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