Business Claims: Overview and Examples

Your business is one of the things that matters most to you. That’s why we make filing a commercial or business insurance claim with American Family Insurance quick and easy — so you can get your dreams back on track.

If the unexpected happens to your business, American Family Insurance will be there for you. You can file your claim online or by calling 1-800-MYAMFAM (1-800-692-6326). Here’s what you’ll need to file a business insurance claim:

  • Your business insurance policy number
  • Date and time of the incident
  • Brief description of what happened.
  • The insurance and contact information for others involved

Business Insurance Claims Examples

When you're ready to file a claim, you might be unsure whether or not what you’re reporting is covered by your business insurance. If that’s the case, you should connect with your agent to understand what your policy covers and get their assistance with filing your claim. Here are a few examples of what is covered by your business insurance.

  • A customer's work truck was broken into and their tools stolen. With the proper business insurance, the customer's tools were covered.
  • Our customer was on their way to a job site and ended up rear-ending another vehicle. The customer's business auto liability coverage was able to repair the damage to the other vehicle so the customer didn't have to pay out of their own pocket.

Types of Business Insurance Claims

There are a few different types of business insurance claims you might make as a business owner if the unexpected happens to your livelihood. Here are two common examples of the types of claims business owners may file.

Small Business Claims

Keeping your small business up and running is important to your livelihood and peace of mind. Small business owners who need to file a claim with American Family Insurance can do so online or over the phone by calling our claims center.

Business Interruption & Loss of Business Insurance Claims

Sometimes events that impact your business will cause you to have to shut down for a few days or longer to handle the clean-up. If your business has suffered a loss of income from an event, you can file a business insurance claim online or by calling our claims center.

American Family's Dreams Restored Program

Do you rely on vehicles to keep your business thriving? Does your business fleet need maintenance or repair? Our Dreams Restored Program takes the stress out of choosing a repair shop should the unexpected occur. We’ve done the work for you by finding the most trusted, customer-friendly shops in your neighborhood, so you can relax knowing your vehicle will be back on the road in no time!

Quick. Because of our direct relationship with the shops, repairs can begin sooner than at non-DRP facilities.

Guaranteed. Repairs have a lifetime workmanship guarantee backed by American Family.

Easy. No need for multiple estimates.

Convenient. No messy billing. The bill (minus deductible) is sent directly to American Family.

Reliable. Our DRP shops meet the highest ratings for repairs and customer service. Find a participating shop near you.

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