When you have a claim to submit, we help organize your initial information and ensure the insurance carrier is notified promptly.

We make sure you get connected to the claim adjuster directly responsible for managing your loss.

We help you comply with state motor vehicle regulations to demonstrate auto insurance coverage.

We provide you with required state forms for workers’ compensation claim reporting and additional incident investigations.

The first job of a claims adjuster is to compare the facts of the claim to the language of the policy to determine how coverage applies. Most cases are straightforward, but what do you do when you receive a letter declining coverage or indicating potential uncertainty regarding coverage? RBN’s claims team has the experience and knowledge necessary to evaluate coverage letters, identify gaps, and make recommendations to assist you.

While most claims are uncomplicated and resolve rather quickly, some claims become complex for many different reasons: severity of the loss, multiple parties, elaborate fact patterns, contractual relationships, multiple policies involved – the list goes on. If you become involved in a complex loss, we will help you identify priorities, get the right support from the claim adjusters & counsel, and establish an action plan to keep things moving while protecting your interests.

Excessive reserves on open claims can have a ripple effect that lasts years. While there is no “correct” way to set a reserve and a multitude of factors need to be considered, we can help evaluate the appropriateness of a reserve and make recommendations based on industry best practices. Where appropriate, we advocate on your behalf to have reserves reconsidered or to accelerate claim closure.

While the insurance adjuster may assign an attorney, we can use our familiarity with your business operations to enhance counsel’s understanding of the circumstances and move quickly to building a comprehensive defense strategy. Where helpful, we guide you in selection of carrier panel counsel which have the most experience in the required field of defense.

Taking specific steps following a loss can make your claim experience significantly smoother. We are available to advise you at the initial stages of a loss: what evidence to gather and how to preserve information so it is available later for defense.

The “Bermuda Triangle of Claims” can be tricky to navigate. We understand how state and federal programs interact, the compliance responsibilities of our clients and the truth that each situation is nuanced based on the facts of the moment. We can aid clients as they thread the needle of each program’s requirements and develop a plan to address extended absences.

Insurance companies can deny coverage based on late reporting of an incident. RBN works with clients to recognize when claim facts develop and meet additional reporting requirements, including the reporting of incidents which could later give rise to a claim. Timely reporting of incidents can prevent a denial in coverage and offer insurance protection at a later date if necessary. RBN collaborates with clients to develop processes for timely and complete reporting to the carrier.

Claim prevention is the most effective technique to reduce the cost of insurance. In partnership with carriers, RBN analyzes loss history, identifies potential solutions, and connects clients with loss control specialists to implement programs targeted to reducing claim frequency and severity. Over time, these steps can keep insurers favorably engaged with your account and control your long-term cost of risk.