Examples of business insurance claims

While each real-world claim is unique, familiarizing yourself with the patterns and factors that contribute to them is worthwhile.

Below are several hypothetical examples of workplace claims, along with the business insurance coverages that would apply in those scenarios:

Slips and falls: A customer tripped on a loose floor mat inside a retail store and broke their wrist. The business was deemed responsible for the customer’s medical bills and legal expenses, which were covered under their general liability insurance.

Storm damage: A severe thunderstorm ripped the roof off a manufacturing plant, damaging machinery inside. The business’s commercial property insurance covered the cost of repairs and replacement. Their business income insurance helped cover lost profits and ongoing expenses. Both policies helped the business resume production.

Fleet accident: While driving a delivery truck, an employee rear-ended another vehicle. Business auto insurance helped pay for vehicle repairs and the other party’s injury-related expenses.

Employee accident: A piece of heavy equipment fell on a retail employee’s foot, resulting in two broken toes. The business’s workers’ compensation coverage helped pay for the employee’s recovery expenses, as well as hiring and training for replacement work while the employee was out.

Certain industries face unique risks. Here are a few additional hypothetical examples relevant to businesses we serve:

• Trucking industry: A long-haul driver was involved in a multi-vehicle accident on the highway.

• Construction industry: A crane accidentally struck a nearby building, leading to significant third-party property damage.

• Manufacturing industry: An employee is injured by a malfunctioning machine, leading to a workers’ compensation claim. Insurance helps cover medical costs and lost wages.

These examples illustrate how business insurance applies to real-world situations. Reviewing claims scenarios can also help you spot potential vulnerabilities, improve safety practices, and choose coverage that works for your unique risks.

At Sentry, we’ve supported business owners across a range of industries for more than 120 years. Our experienced claims professionals understand the challenges you face, and they're here to help you through every step of the claims process.