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Claim Situation FAQ’s

“In what circumstance should I report a claim?”
As soon as practicable after being made aware of a claim. We encourage you to report in a timely fashion as delay in the notification of claims could prejudice the Insurer’s position and thereby result in a denial of coverage.

“What should I report in the claim?”
ENCON’s liability policies generally require that you give written notice of all claims and all circumstances that could reasonably give rise to a claim.

“What should I do when a Claim is made against me?”
Do not discuss the claim with anyone, particularly the claimant or claimant’s lawyer. Any statement you make at the time could be used against you and your fellow Insureds as an admission of Liability, which in turn could result in a denial of coverage under the policy. Gather any minutes of meetings, correspondence, memoranda, etc… which may be useful in your defence.

“What should the claim report contain?”
As much information as possible.
If suit is brought, a copy of the statement of claim or other legal process, if possible, note the date on which you were served.
If no suit is brought but you have received a demand letter, include a copy of the letter and details surrounding the receipt of the letter.
If you become aware of circumstances that could reasonably give rise to a claim or have received oral threats of a lawsuit, then the claims notice should contain the following details:

The specific reasons for anticipating a claim to result from the circumstances or threats.
The specific nature and date of the alleged act or omission which gave rise to the circumstances
The alleged injury or damages
Full names of the potential claimants and insureds involved.
Full details of the manner in which you first became aware of the circumstances

Want to discuss your situation further?

Call:

Andrew Spencer
416 644 7715

Or write to:
The ENCON Group Inc.
Claims Department
500 – 1400 Blair Place
OTTAWA ON K1J 9B8