Henderson Insurance - The Dry Cleaner Insurance Authority
Claims

Claims Reporting

All claims should be reported to Henderson Insurance as soon as possible after occurrence. Henderson Insurance will obtain the initial details about the claim and then forward the claim information to the insurance company. Whenever serious or life-threatening injuries occur immediately phone 911 to obtain emergency medical care prior to reporting the claim.

After Hours Claims Reporting

Some claims that occur after hours may require immediate action that cannot wait until the next business day (the most common types of immediate action are board-up of damaged glass or buildings and medical care for non-911 injuries). When claims that need immediate action occur after hours immediately report the claim directly to the insurance company directly. Our main insurance companies have 24-hour reporting lines. These phone numbers are shown below. Contact them and they can coordinate any immediate services that may be needed.

If you do report a claim directly to an insurance company, please also report the claim to our office on the next business day. There are different processes that must be performed to properly handle different aspects of claims. For example, clothing claims are handled differently than other kinds of claims. If you only report a claim to the insurance company and not to our office, it is possible that portions of your claim may not be handled in the most efficient and/or beneficial way for you and your customers.

Argonaut Great Central Insurance Company:	(800) 777-3602 x1614
Benchmark Insurance Company:	(800) 293-0616
Midwest Insurance Company:	(800) 293-0616
OneBeacon Insurance Company:	(877) 248-3455
Safeco Insurance Companies:	(800) 472-3326
Star Insurance Company:	(800) 293-0616
Tower Select Insurance Company:	(866) 642-2567
Zenith Insurance Company:	(800) 440-5020

Customer Clothing Claims

If you have a potential customer clothing claim there are two common ways to handle that claim. Claims that will likely be larger than your deductible can immediately be reported to your insurance company. In other cases dry cleaners may not be able to determine if the claim is large enough to wisely be reported to the insurance company or not. For most customers it is possible to have our affiliated adjusting company adjust the claim using normal adjustment methods and then report the results of the adjustment to the dry cleaner prior to making any formal claim report to the insurance company. The dry cleaner can then either choose to submit the claim to the insurance company, handle the claim themselves, or have the affiliated adjusting company negotiate a claim settlement with the customer on the dry cleaner's behalf.

The first step for all clothing claims is the same, regardless if the claim is submitted to the insurance company or not. Please contact our office to obtain the necessary forms and instructions for all clothing claims.

Risk Services

Dry cleaning and laundries face many risks to their business, to their customers and to their employees. Many of these risks are not covered by standard business insurance policies. The most common of these uninsured risks are customer clothing losses that are below the insured's deductible. Henderson Insurance offers a Risk Services subscription to assist dry cleaners in reducing and managing the risks inherent in their business. The most commonly used Risk Service is the adjustment and settlement negotiation of clothing claims that are below an insured's deductible. Risk Services include consultation and guidance on potential pollution claims, technical information to increase production efficiency and worker safety and more.