Wondering how to report and log an incident?
Here are the basic guidelines to point you in the right direction.
Why an incident log and reporting procedure are important
An efficient and effective incident procedure is the foundation of responsible business management. There are several benefits to knowing what is happening on your premises and capturing important information quickly, including:
- Can immediately investigate issues or problems and take appropriate corrective action
- Will have a record of incidents you can use to identify potentially hazardous conditions, enabling more focused maintenance and loss prevention activities. Have a camera on premises so that photos of the scene can be captured
- Easy access to the information your insurance carrier will require to respond if an incident should ever be investigated
Who is responsible for reporting incidents?
Everyone. The insured and all employees must be responsible for keeping a log and reporting incidents to management or insurance professionals. Information may come by way of witnessing an incident or being advised of one by a third party. Effective communication and a training plan should be in place to educate employees on their responsibilities for participating in this process.
When should you report an incident to your insurance company?
Any situation involving known or potential property damage or bodily injury should be reported regardless of the amount of damages or severity of injury. Although not every incident will result in a claim, the importance of documenting information is necessary to create a record of what is happening at your premises. Should the incident develop into a claim, your records will provide your insurance carrier with important information to begin a prompt investigation and adjustment of any claim. At a minimum, it will provide valuable maintenance and loss control data.