Your business may benefit by establishing a plan to manage claims.  Using an insurance company for all claims, large and small,may have a negative impact on future premium rates, deductible levels, impairment of liability limits, and underwriting acceptability leading to non-renewal of insurance. While an insurance company may be responsible to manage insured claims, its goal will always be to protect the assets of the insurance company before those of the insured.
Not all claims may require the extensive resources or expense of a formal insurance claim. Retaining and settling smaller claims with an internal active retention program reduces the claim frequency from the insurance company’s viewpoint and creates favorable conditions during insurance policy negotiations. 

RM-CLAIMS-ClaimsManagement.pdf