Filing an insurance claim on your home or auto is easy enough. You simply check your policy to make sure that you're covered, take photos of the damages, turn that in with any receipts and other documents requested, and wait for your insurer to make their decision.
Professional liability insurance claims are a little more nuanced. Here's what you'll want to do:
Determine Whether This Is A Professional Liability Issue
If you run a business, chances are you have several insurance policies in place, and it might not always be clear which one covers what. What looks like a professional liability claim may be more of a general liability problem.
Professional liability essentially protects you from claims of negligence or professional error on your part. If that describes the scenario you're dealing with, then it's a professional liability insurance problem. Your policy will help you to cover the legal defense costs involved in the accusation.
Note that professional liability claims are primarily for civil court charges. If you are facing criminal charges, your professional liability insurance might not be of much use.
Collect Emails, Chat Logs, Memos, Work Orders, Invoices And Other Communications Between Yourself And The Client
For professional liability claims, communications between yourself and the client (or customer, partner, distributor, etc.) will function similarly to photographs in comprehensive and property insurance claims. You need to document what was requested and what was promised.
Call Your Insurer To Determine How To Proceed
Do this in a timely manner and before you get in touch with an attorney. Your insurer will want to be updated every step of the way, and it may vary from insurer to insurer as to whether they will pay for your claim up front or reimburse you after the fact.
Get In Touch With Your Lawyer
If you do not already have an attorney, one of the reasons to call your insurer first is that they may be able to direct you to a trusted legal professional.
Hopefully, you never need to file a professional liability claim. But if you do, it's good to know that you have some people on your side.