Get All the Information You Can
Document exactly what happened as thoroughly as possible — immediately, before details fade. Was anyone injured? Was third-party property damaged? Who witnessed the incident? Write down names, contact information, and accounts from all witnesses. Take photographs of the scene, any hazards, and any visible injuries or property damage. Preserve all physical evidence — do not clean up or repair the area until documented and cleared by your insurer. The strength of your defense often depends on the quality of your early documentation.
Contact Carolina Industrial
Submit your claim online or call us at 704-845-2456 as soon as possible after the incident. Time matters — many GL policies require prompt notification as a condition of coverage. We will confirm that the incident falls within your policy's scope, walk you through your limits and deductible, and connect you with the carrier's claims team. We serve as your advocate, not just a middleman.
Adjuster Review
The carrier will assign an adjuster to investigate the incident — typically visiting the scene, reviewing documentation, interviewing witnesses, and assessing the nature and extent of any injury or damage. The adjuster's job is to determine whether your policy covers the claim and what the carrier's liability exposure is. Cooperate fully, provide all documentation promptly, and do not make any admissions of liability or offer payments to the claimant without carrier authorization.
Claim Payout & Resolution
After the adjuster determines fault and the extent of covered damages, the claimant receives payment for covered losses. Repairs to third-party property begin, and any covered medical expenses are paid. For larger GL claims that involve litigation, your carrier will provide legal defense up to your policy limit. Once the claim is resolved, review your coverage with us — a GL claim may be a signal that your limits or deductibles need revisiting.
Important: Never admit fault or offer a settlement to an injured party or property owner before notifying your insurer. Doing so can jeopardize your coverage. Your GL policy includes a legal defense component — use it.