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What They Are
An incident report is nothing more than some notes about
any unusual occurrences that may happen in your
establishment. If you had to remove or eject someone
from the premises, if someone slipped and fell, or
anytime you have to call the police. Besides jotting
down some notes about what happened, other helpful
information might include any employees on duty, any
witnesses and their phone numbers, or how much the
persons involved were served. If you have a camera
system, be sure to make a copy of the video from any
particular incident, so that it doesn't get deleted or
overwritten by the time a suit may be filed.
Why You Should Keep Them
These seemingly innocuous occurrences might not seem
like a big deal at the time, but if you wind up getting
sued several months later this information could prove
invaluable to defending you. Unfortunately, there are
those who attempt to abuse the legal system and collect
some easy money. When your insurance company begins
investigating the claim weeks or months later, how
detailed of a description will you be able to give the
adjuster from memory? Probably not a very good one, so
your defense comes down to your word against someone
else's, more or less giving you a 50/50 chance at
defending yourself. But if you take five minutes to keep
a few notes on each out of the ordinary event, you'll be
able to provide a much better picture for the
investigator than the person who's accusing you of
negligence.
How We Can Help
You have a busy enough day running your establishment;
you can't spend an hour a day documenting every time
some knucklehead got a little tipsy and decided to act
brave. And between register receipts, checks and cash,
and reordering inventory, you have enough paperwork to
keep track of. So submit your incident reports to us
electronically and we'll save them for you just in case
a claim should ever arise. Submitting an incident report
is not the same as turning in a claim, it won't affect
your premiums in future years. It is just putting us on
notice that a claim could potentially be forthcoming.
Submit an Incident
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