How do I report an incident or file a claim?
You may report an incident or file a claim 24/7/365 online, within the policyholder dashboard, or by calling our toll-free claims line at +1-833-866-1337.
When should I report an incident or file a claim?
If you've become aware of an incident or circumstance that could give rise to a claim, please immediately submit a claims notification within the policyholder dashboard or call us at +1-833-866-1337 in the United States.
Our team of Claims experts is ready to provide immediate assistance and reduce the likelihood of an even greater loss.
Is my claim covered?
Insurance should be there when you need it. Upon submitting a claim, you will have immediate access to Coalition's experienced and committed claims team supported by a global network of partners.
A Coalition claims adjuster will be assigned to your claim, and will contact you within one (1) business day of claim submission. Coverage of your claim will be based upon an assessment of all of the information available. Following this assessment, we will share with you as soon as possible a coverage letter highlighting, in plain English, the benefits afforded by your policy with Coalition.
Unlike other insurance carriers, Coalition's carrier partners do not send general reservation of rights letters. You will only receive a specific notice of reservation when absolutely necessary. You will also never receive a coverage letter without first receiving the opportunity to speak with a human being. While we pride ourselves on automation and convenience, there is no substitute for an opportunity to ask questions, provide information, and to discuss the coverage of your policy with an expert!
How does Coalition manage claims?
We know that how a claim is handled can be as important as the outcome itself.
Our goal is to deliver exceptional claims service that gives you confidence and peace of mind and, quite simply, makes you want to keep doing business with us.
Commitment to Service
The claims management process can be complex. We aim to keep it simple and tailor our approach to your needs and preferences. Working with you, our claims professionals assist the insurance carriers in their prompt investigation, evaluation, and strategy development to bring your claim to resolution. Where we have a duty to defend, we will work with you to determine, as early as possible, your preferred approach and whether your claim is one to settle or defend.
Commitment to a Proactive and Responsive Approach
Being there when you need us is what we do. We value a personal connection, and are committed to:
Contacting you, or your representative, within one business day of receiving your loss notification where we lead your primary claims.
Returning your phone calls and emails within one business day. When out of the office, we’ll provide additional contacts should you need immediate assistance.
Completing initial investigations on your claims, in most instances, within 30 days.
Commitment to Transparency
Our claims commitment means being open and transparent in our communications. We’ll share our coverage position with you as quickly as possible, and will always be available to answer your questions. We’ll only reserve our rights when necessary and not as a standard practice. If we do reserve our rights or need to issue a disclaimer, we’ll contact you or your broker to explain our reasoning and address any concerns.
You won’t see us hide behind appointed experts or lawyers. When we do engage third parties, we’ll ensure they share our service values so your claims experience is always held to the same high standards.
What does our Claims Commitment mean for you?
Exceptional claims service means much more than a promise to pay. It also means:
- Your claim will be managed proactively, fairly and with great care.
- We will listen to and respect your point of view, look to understand your needs, and be there when you need us.
- We are committed to building a foundation of trust based on open, transparent communication – even before a claim occurs.
Disclaimer: Coalition may provide technical and analytical services to its insurance carriers in the handling of claims administered under this insurance program.
When are claims paid?
We strive to process claims as efficiently and expediently as possible. After all, that's why you purchased insurance in the first place! At all times, we will do our best to minimize delays—all that we ask from you is that you report the claim as accurately as possible, provide all pertinent information, and respond promptly to the adjuster assigned to your claim.
We've got you covered!
Will premium increase if an incident or claim is reported?
Not necessarily. The nature and circumstances surrounding an incident or claim are far more important than merely the existence of a claim. We do not view every incident the same way and, in some cases, filing a claim may not impact policy premium.
We believe that policy premium should reflect and compensate for the underlying risk that we are insuring. To the extent that this risk has increased, premium may also increase. When this happens, we make every attempt to work with you.
Insurance products are offered in the U.S. by Coalition Insurance Solutions Inc. (“CIS”), a licensed insurance producer and surplus lines broker (Cal. license # 0L76155), acting on behalf of a number of unaffiliated insurance companies, and on an admitted basis acting on behalf of Zurich American Insurance Company (NAIC # 16535). See licenses and disclaimers. Copyright © 2024. All rights reserved. Coalition and the Coalition logo are trademarks of Coalition, Inc.