Insurance Services - What to do in the event of a claim

If you have had a Property Loss, i.e. Burglary, Fire:

1. Obtain emergency assistance as required (e.g. police, ambulance, fire department)

2. Prevent deterioration of the situation if possible (If a dangerous situation exists, cordon off the area or cover roof and window opening to prevent further damage to the site).

3. Call Gallagher Lambert Group Insurance Brokers as soon as possible at 1-204-697-4222 (Monday through Friday, 8:30 am to 4:30 pm) or 1-204-942-2608 (After hours and weekends). Try to have as many details available as possible when you call. This includes the date and time of the loss, who should be contacted and their telephone number, summary of the damage caused or the items missing, copy of the police report if the incident required calling the police, etc.

4. Don’t start clean up operations other than those required to prevent further loss until you have consent from Gallagher Lambert Group or the appointed adjuster.

5. Other Details you will need to Compile:

• Gather inventory lists, schedules of buildings, sales and food receipts, maintenance records for equipment, records of usage and repair or any other documentation which may speed the timely settlement of your claim.
• Contact your accountant for the most recent financial statements in the event of a business interruption claim.
• Prepare a schedule of loss for comparison with inventory records.

6. In Case of a Crime Incident:

• Protect the crime scene to aid police investigations
• Obtain statements from witnesses as soon as possible while details are still fresh.
• Calculate value of items stolen (e.g. deposits, property, etc.) and damage to property (e.g. doors, windows, walls, safe etc.)
• Do not release any information to the media without further instruction.
• Notify staff not to speak to any third parties or media regarding the incident

If the incident involves a Third Party (Liability Accident):

Prevent deterioration of the situation. Provide assistance for any injured parties.

1. Obtain emergency assistance as required (e.g. police, ambulance, fire department)

2. Fill out an incident report form as soon as possible, while details are still fresh and those involved are still at the scene. Gallagher Lambert Group can assist with the development of an original template.

3. Obtain name(s), address(es), and telephone number(s) of witness(es). Please restrict comments to factual statements only - avoid narrative comments and opinions.

4. If possible, take photographs or videotape the site of the incident or accident (include warning signs, posters etc.)

5. Call Gallagher Lambert Group Insurance Brokers as soon as possible at 1-204-697-4222 (Monday through Friday, 8:30 am to 4:30 pm) or 1-204-942-2608 (After hours and weekends).

6. Other Reminders:

• Never admit or discuss liability verbally or in writing
• Attach any letter(s) or threat of claim, Writ of Summons, or any relevant documentation to the incident report form
• If a claim or threat of claim has been made, do not attend or agree to attend any meetings called to discuss the claim or threat of claim without prior consultation with your insurer’s representative.