A perfect world would have no accidents, no damage, no injuries. But, in the real world, accidents happen, and when they do – whether it’s a major loss or a dented fender – you expect your insurer to do something, and do it fast.

That’s why, whether it’s a commercial or personal insurance claim, we emphasize fast, efficient claims reporting and handling.

For all our customers, the sooner a claim is reported, in general, the less it will cost, and, in the case of workers compensation claims, the sooner the injured employee can return to productive employment. Prompt response and investigation of claims help control medical and indemnity costs, and avoids unnecessary attorney’s fees.

To ensure prompt reporting, we offer our business customers a choice of phone, fax, Internet or electronic data exchange – 24 hours a day. And, when we respond, our more than 3,000 experienced and professional claims employees, working out of 75 workers compensation, liability and property centers, handle your claims in the most efficient and effective way possible.

For our personal insurance customers, the emphasis, above all else, is on convenient, courteous and responsive service. To report a claim, individuals can call their local office, our 24-hour Claims Service Center, or fill out a claims first report on-line. Whether they report a claim by phone or Internet, our customers are on their way to rapid appraisals, claim payments and repairs.