Six Easy Ways To Handle Insurance Incoming Mail and Claims Communications
How to Handle Insurance mail and claims comes with six easy steps. Workers Comp premium audit and other insurance mail along with claims info handling can be a daunting task for an owner. In my last post, I gave a few examples of how misdirected insurance mail can cost an employer dearly.
There are six easy ways to avoid misplacing or misfiling insurance communications:
- Ask for everything on paper. I know this sounds archaic. How many of us have found important emails in our spam box? Even if you do receive some of your insurance info by email, always print it. You may have to refer to it 10+ years from now.
- Designate a non-owner to receive mail, handle insurance adjuster communications. Business owners are much too busy to handle the tedious minutia of all the paper flows. Make sure this trusted person knows the names and addresses of your agent, and other important insurance addresses.
- Make sure that all parties insurance premium auditors, agents, adjusters, and all insurance personnel know the contact person’s address. Adding the person as an “in care of” on all insurance policies and claims info to make sure your designated person receives the mail directly.
- Provide your designated person with diary dates for insurance renewals, premium audits, and any other important dates so they can expect the insurance communications. This will eliminate any unexpected surprises.
- Have your designated person sit in on all insurance meetings including premium audits, renewals, and any other type of meeting with your carrier or agent. An informed insurance contact may end up saving your company thousands in the long term.
- If this person leaves your company, send a letter to the carrier, agent, and claims office informing them of the new designated person. This will save many headaches later.
I know these may sound simpleton or old fashioned. There was a major soft drink bottler that had an administrative assistant leave suit papers on their desk. This caused a default judgment in the millions against the bottler.
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