Business Claim

Business Claim

Contact us as soon as possible after a Liability or Workers Compensation claim. Call us directly at 616.531.1900 or submit a claim form below to this email.

Click here to download the General Liability Claim Form and/or the Michigan Workers Compensation Claim Form.

Click here to download the Auto Claim Form and/or the Property Claim Form.

See below for descriptions of the business claims processes.

Claim Questions?

Need to file a claim? Fill out the appropriate claims form to the left to get started. Prefer to be contacted by a BHS representative? Fill out the Contact Form below.

Contact Us

Liability Claims

In the event of injuries or damage to property of others which you allegedly caused:

  1. Call us to report the claim.
  2. Forward any correspondence, including a summons from an attorney representing the other party.
  3. Do not discuss the claim with the other party or their attorney. Refer them to your insurance company’s claims adjuster or to us.

After we report the claim to the insurance company, the claims adjuster will:

  1. Contact you to discuss the incident that allegedly caused the injury or damage to the property.
  2. Deal directly with the other party and/or attorney to handle the claim.

Worker's Compensation Claims

In the event an employee is injured on the job.

  1. Complete the Employer’s First Report of Injury or Disease form for all claims. Either use the “call in” reporting system or fax the original form to the insurance company. Send a copy of this form to the State Department of Industry, Labor and Human Relations (refer to the First Report for the address).
  2. Forward a copy of the First Report to us in the event of a disabling injury or death claim. We will follow up with the insurance company for their prompt handling of the claim.
  3. Contact the insurance company to question the status of a claim. If you experience delays or have questions, please contact us for assistance.

After you report the claim to the insurance company, the claims adjuster will:

  1. Contact the injured employee to discuss the accident
  2. Request copies of bills and doctors’ reports for medical treatment administered
  3. Contact you, the employer, if there is any lost time from work as a result of the injury

Property Claims Process

In the event of damage to your building or contents:

1. Protect the property from further damage:
2. Call Berends Hendricks Stuit Insurance Agency to report the loss.

  • Call the proper authorities and utilities (gas, electric, telephone).
  • Take photos of the damage before having emergency repairs made, such as boarding up windows or covering holes in the roof.

3. Call a contractor to estimate the building damages.

4. Separate damaged contents from undamaged contents. Do not discard any items until the claims adjuster gives you the authority to do so.

5. Keep records of expenses if you are forced to temporarily relocate your business.

6. Do not authorize repairs until the claims adjuster has given you the authority to do so.

After we report the claim to the insurance company, the claims adjuster will:

1. Contact you by phone or mail to discuss the loss

2. Arrange for an appraiser to inspect extensively damaged property

3. Assist you with your choice of contractors to make the repairs

4. Contact you for a settlement

Auto Claims Process

In the event of an automobile accident:

1. Report the accident to the police.

2. Obtain information about the other people involved in the accident such as:
3. Have your vehicle towed to the nearest repair shop if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.

  • Names, addresses and phone numbers
  • Insurance company
  • Type of vehicle
  • Auto and driver’s license numbers.

4. Call us to report the accident.

In the event of a windshield, vandalism or theft loss:

In the event of an automobile accident:

1. Report the vandalism loss or theft to the police.

2. Call us to report a loss.

After we report the claim to the insurance company, the claims adjuster will:

1. Contact you to request details of the accident and repair estimates

2. Arrange for an appraiser to inspect the damages of vehicles that are not drivable or extensively damaged

3. Contact you for a settlement

4. Deal directly with the others involved in the accident

You should not talk to others involved in the accident, but refer them to your claims adjuster.