The way a claim is handled matters as much as the outcome. Coalition provides clear, responsive, and thoughtful claims service designed to give you confidence throughout the process.
Commitment to Service
Claims can be complex. We make the process as straightforward as possible and tailor our approach to your needs.
Our claims professionals work with you and the insurance carrier to investigate, evaluate, and resolve your claim.
We stay engaged from notification through resolution. We are committed to:
- Working with you to pay covered claims
- Contacting you or your representative promptly
- Responding promptly to calls and emails, and providing alternate contacts when immediate assistance is needed.
- Progressing the initial investigation efficiently and keeping you informed as the claim develops.
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:
Working with you to pay covered claims within a period that meets your business needs, in most instances within five business days.
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.
Transparency Throughout the Process
We will share our coverage position as soon as possible and remain available to answer your questions. If we reserve rights or issue a disclaimer, we will explain the basis to you or your broker and address any concerns.
When we engage lawyers, adjusters, or other experts, we remain accountable for the claims experience. We select partners who share our service standards and ensure that their work reflects the same level of care.
What does our Claims Commitment mean for you?
- Your claim will be managed proactively, fairly, and carefully.
- We will listen to your perspective, understand your needs, and stay engaged when you need us.
- We will build trust through clear, open communication—before, during, and after a claim.
Please note that this does not constitute an assurance of coverage. The above explanation is for preliminary informational purposes only, and is based on Coalition's current US surplus lines form. As always, whether coverage will be provided in a particular scenario depends on the actual facts of the scenario and the terms, conditions, and limitations of a policy as actually issued, as well as applicable law. Please see a copy of your policy for the full terms and conditions.