Examples of Claims

Not sure what a CGL or PL claim might be? Or why you need property coverage? Check out these examples


Property Coverage

Water, Water Everywhere

See how the neighbouring unit causes a Day Spa to be damaged and closed for a month during repairs.


Professional Liability


While rushing to complete a service, an esthetician misreads a client’s file causing a burn on their face due to an allergy


Commercial General Liability

Downward Dog Hits Yoga Student

Dogs playing pool hit a yoga student on the head.

How do I make a claim

Claim with Injuries

If you have been injured, seek medical attention immediately. Call 911 if someone is hurt, you feel threatened, there is significant damage to your business or if  you feel you are a victim of a staged incident.

Reporting a Claim

During business hours: In the unfortunate event of a claim, please phone your Ives Insurance office and speak to one of our licensed borkers. We will gather the details of your loss, council you on the claims process, and explain how a claim may effect your insurance rates. We will then connect you directly to your insurance company claims representative to begin the claims process.


After business hours, on weekends or a statutory holiday, most claims can wait to be reported until the next business day. However, if you find yourself in an emergency situation as described above or where further damage may occur without immediate corrective steps, please contact your insurance company directly to report the claim. It is still a good idea to connect with your Ives Insurance broker the next business day to discuss what happened and seek our help in guiding you through the claims process.