Business Claim

Click the link to download the Auto Claim Form

In the event of an automobile accident, auto glass, vandalism, or theft loss:

1. Report the event to the police.

2. Obtain information about the other people involved in the accident such as:

  • Names, addresses and phone numbers
  • Insurance Company
  • Year, make and model of vehicle
  • Auto and driver's license numbers

3. Have your vehicle towed to the nearest repair show if the vehicle is not drivable. Do not authorize repairs until the claims adjuster gives you the authority to do so.

4. Call BHS Insurance or your Insurance Carrier direct to report the loss.

After the claim is reported to the insurance company, the claims adjuster will:

1. Contact you by phone, email or mail to discuss the loss and request repair estimates.

2. Arrange for an appraiser to inspect the damages, if needed.

3. Communicate directly with others involved in the accident.

4. Contact you for a settlement.

Do not talk to others involved in the accident, refer them to your claims adjuster.

Click the link to download the Property Claims Form

In the event of damage to your building or contents:

1. Call BHS Insurance to report the loss.

2. Protect the property from further damage.

  • 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 record of expenses.

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

After the claim is reported to the insurance company, the claims adjuster will:

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

2. Arrange for an appraiser to inspect damaged property, if needed.

3. Assist with your choice of contractors for repairs.

4. Contact you for a settlement.

Click the link to download the Liability Claims Form

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

1. Call BHS Insurance 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 claims adjuster or to us.

After the claim is reported to the insurance company, the claims adjuster will:

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

2. Communicate directly with the other party and/or attorney to handle the claim.

Click the link to download the Michigan Workers Compensation Claim Form

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 feature, on-line reporting or fax the original form to the insurance company.

2. Forward a copy of the First Report to us in the even 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 adjuster 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.

Contact us as soon as possible after a claim. Call us directly at 800-350-7676 or submit the claim form to this email.