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Home » How to Avoid Filing a Small Business or Commercial Insurance Claim
April 23, 2019

How to Avoid Filing a Small Business or Commercial Insurance Claim


What are the Causes of most Small Business Insurance Claims?

The survival of every small business depends on keeping expenses down.  Filing an insurance claim can be very costly for a small business; future higher insurance expenses, owner time spent dealing with the claim and reputational harm are just a few of the expenses involved.

The key is to try to avoid having to file a claim in the first place and knowing what are the most common types of claims will help the small business owner know where to put precious resources to help avoid a loss and filing an insurance claim.


5  types of Small Business Insurance Claims = 70% of all Commercial Insurance Claims

  • Burglary & Theft – 20%
  • Water & Freezing Damage – 15%
  • Wind & Hail Damage – 15%
  • Fire Damage – 10%
  • Customer Slip & Fall – 10%

A Business Owner Can Put Resources into Avoiding These Types of Claims


A small business owner has no ability to prevent a weather related insurance claim, but by taking preventative action against theft, freezing/leaky pipes, slips/falls and fire prevention measures; a business owner can greatly reduce the chance they would need to file an insurance claim.
At Denver West Insurance Brokers, we have helped many business owners through the claims process.  After paying the deductible and increased rates for 3 years, it’s not a business expense that anyone wants to incur  and one that should be avoided if at all possible.  We have many preventative resources to help our small business clientele. 


Give us a call today
and let us help your business avoid costly insurance claims. We are a local insurance broker located in Golden Colorado and serving the Denver area and surrounding communities of Lakewood, Arvada, Wheat Ridge, Evergreen, Littleton and Morrison.

Tags: Business insurance, Commercial General Liability Insurance, commercial insurance, Commercial Liability Insurance, Property and Casualty Insurance, small business insurance

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