Our proprietary data, analytics and benchmarking tools will provide you with a comprehensive view of an ever-evolving claims landscape. With informatics, we can develop personalized strategies to reduce claims vulnerability, process claims efficiently and prevent and mitigate losses.
Claims Management
Why HUB?
Strategy
Expertise
HUB’s team of more than 225 insurance claims professionals throughout the United States and Canada has deep expertise across industries. We are aligned with carrier and third-party administrators and have specialized knowledge of workers’ compensation, property and casualty coverage, professional lines insurance and high net worth personal lines.
Advocacy
As your partner, we collaborate to achieve strategic solutions — handling claims advocacy and complex claims escalation, and reducing exposures with customized risk management strategies. We’re here for you — especially in your time of need.
Our experienced team of insurance claims professionals guides you through the complex claims process, resolving issues swiftly and advocating effectively.
Your dedicated HUB claims professional is an extension of your risk management team and a true strategic partner who will help you manage claims and minimize your total cost of risk. Our team is equipped to handle risk management and market collateral management.
Focused on driving results so you're ready for tomorrow
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24-hour turnaround on the claims reporting process
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70% annualized savings achieved with medical cost management
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25% reduction in the cost of a claim through our litigation management program
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30% closure of legacy files within the first 12 months of engaging with us
How we can help
Our claims management services include:
- Loss analysis and reporting
- Analyzing claims reserves and payment changes
- Management of claims by occurrence
- Benchmarking of claims
- Monitoring incident and claim activity
- Return-to-work planning
- Claims file reviews, including reserve analysis, reduction and file resolution plans
- Strategic claims closure programs
- Employer claims management practices
- Third-party administrator (TPA) selection
- TPA audits and management
- Medical case management
- Settlement evaluation and litigation management
- Subrogation/second injury fund recoveries
- Coverage disputes and dispute resolution
- Collateral management via claims closure
Empowered by strong carrier relationships, our insurance claims management specialists advocate on your behalf to reduce your total cost of risk and protect your bottom line.
Interested in learning more? Connect with a HUB claims consultant or contact your local HUB office.
Explore our Resources
No matter the crisis, we are here for you.
View our resources for hurricane, earthquake, wildfire and other crisis events.
FAQs
Claims management in insurance refers to the systematic process of handling insurance claims from the moment they are filed through to final resolution. This involves receiving and documenting the initial claim, investigating the circumstances to verify coverage, assessing the extent of losses or damages and ultimately determining the appropriate payout or settlement.
Effective claims management requires coordination between the policyholder, the insurance company's claims adjusters and often third-party experts who can evaluate specific types of damage or liability.
For organizations working with an insurance broker, claims management extends beyond just filing paperwork. A broker can advocate on behalf of the client throughout the claims process, helping to ensure documentation is complete, communications are clear and settlements are fair.
Good claims management also includes analyzing claims data over time to identify patterns that might indicate emerging risks or opportunities to improve risk management strategies.
When claims are handled efficiently and transparently, it strengthens the relationship between the insured organization and its insurance providers, which can positively impact future coverage terms and premiums.
The most significant mistake people make when dealing with an insurance claim is failing to document everything thoroughly from the very beginning. When an incident occurs, many individuals and organizations underestimate how much detail will be needed later in the claims process.
They may take only a few photos, provide minimal written descriptions or forget to collect witness information and contact details. This incomplete documentation can severely complicate the claims process, delay settlements and even result in claim denials or reduced payouts.
Proper documentation should begin immediately after an incident and include comprehensive photographic evidence, detailed written descriptions of what happened, copies of any relevant reports or communications and records of all expenses incurred as a result of the loss. Many policyholders also make the mistake of not reporting claims promptly, which can violate policy terms and create additional complications.
Working with your insurance advisor to understand exactly what documentation your specific policy requires can help you avoid these pitfalls and ensure a smoother claims experience when you need it most.
