When the Worst Happens, Support Matters Most...
No one wants to make an insurance claim. But if your business faces a fire, theft, accident, cyber attack or legal dispute, the quality of support you get from your broker can make all the difference. When things go wrong, you need more than a policy number — you need real help, real people and fast action. In this article, we explain exactly how a good commercial insurance broker should support you during a claim and what you can expect when working with a trusted local partner like H.I. Commercial.
What Should Happen When You Make A Business Insurance Claim?
As soon as you contact your broker to report a potential claim, things should move quickly. Here’s what a proactive, experienced broker should do:
Acknowledge your claim promptly and assign a dedicated contact to manage it.
Explain the process clearly, including what evidence is needed, what your policy covers, and how long each step is likely to take.
Communicate with your insurer directly on your behalf, removing unnecessary stress and delays.
Chase updates, speak to loss adjusters, and act as your voice when things need pushing forward.
Be available to answer your questions, not just at the start but throughout the claim.
The Risks of Poor Broker Support
Unfortunately, not all brokers offer the same level of service. Some disappear once a policy is sold, leaving clients to chase insurers themselves. Others may lack the local knowledge or personal commitment to follow things through. The result? Delayed claims, lost income, missed deadlines — or even rejected payouts due to incorrect information.
At H.I. Commercial, we often meet new clients who came to us after a bad experience elsewhere. In many cases, they were left to deal with complex claims alone, with no one fighting their corner.
What Sets H.I. Commercial Apart During a Claim
When you work with H.I. Commercial, you're never left in the dark. We treat every claim as if it affects our own business. Here's what you can expect:
A named contact who knows your business, your policy and your situation
Regular updates by phone or email, so you’re never left wondering what’s happening
Local, in-person support when needed — we’ll visit your site if that helps move things along
Honest advice, even if the claim might be borderline or complex
Strong relationships with insurers so we can escalate things when necessary
Real Support, Not Call Centre Scripts
Unlike national chains or faceless online brokers, H.I. Commercial is part of your local business community. Our team is based near Hull, and we cover businesses throughout East Yorkshire and North Lincolnshire. When you call us, you get a real person, not a script reader. When you need help, we’re at your service and at your side.
Our dozens of 5-star Google reviews often mention how we step up when a claim happens. That’s because for us, insurance isn’t about ticking boxes — it’s about protecting livelihoods.
What You Can Do to Help Your Claim Succeed
While we’ll always do the heavy lifting, there are things you can do to make your claim smoother:
Report the incident as soon as possible
Take clear photos or videos of any damage or losses
Keep copies of relevant paperwork (invoices, emails, police reports)
Be honest and accurate when explaining what happened
We’ll guide you through the rest.
Conclusion: Make Sure You’re Not Alone When It Matters Most
The true value of your insurance broker is shown during a claim. At H.I. Commercial, we make sure you’re supported, understood and looked after. If your current broker disappears when you need help, it might be time to work with someone who won’t.
Need a Broker Who Actually Supports You?
Contact H.I. Commercial today - we offer free, no-pressure reviews and honest advice to make sure your business is properly protected and supported when it matters.
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