According to Investopedia, an insurance claim “is a formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event. The insurance company validates the claim (or denies the claim). If it is approved, the insurance company will issue payment to the insured or an approved interested party on behalf of the insured”.

Claims management is just as important as any other aspect of a business because a paid insurance claim indemnifies a policyholder from financial loss. It may assist the policyholder in recovering the costs of medical goods and services, physical damage, death, and liability for the ownership of dwellings (homeowners, landlords, and renters), as well as liability resulting from automobile operation.


An insurance broker's main job is to find the most appropriate insurance policy for its clients at a reasonable price. When you hire a broker, it will sift through insurance offerings from a variety of companies to find the best match for you. However, the service of an insurance broker doesn’t end with the purchase. The true test of an insurance broker is during claims. The insurance broker will help you in filing the claim and following-up with the insurance provider for updates.

Although the insurance broker CANNOT guarantee that the insurance provider will pay any amount as settlement, you can be assured that your claim is properly handled and monitored. This means that you can focus on running your business as your insurance broker does all the dirty work. According to the 2020 Deloitte Access Economics research, brokers in the US saved clients an average of 11 hours across the insurance purchase and claim cycle – a value of $230 Million in time savings for business customers.


Recently, based on the latest data published by the Insurance Commission, Trinity moved up from the 12th place (2019) to the 9th place (2020) in the list of the largest insurance brokers in the country in terms of premium production. Our business grew by 17%, and this was during the first year of the pandemic when the economy was severely affected. This could be attributed to the trust that our clients are giving us because of our unwavering dedication in serving them no matter the situation. We know that, when the going gets tough, it’s also the time that our clients need us the most.

Being an independent broker, Trinity can make crucial decisions and adjustments faster, depending on the clients’ needs especially when it comes to dealing with insurance companies and handling insurance claims. To help you during claims the following are some reminders you might want to take note of:

  • Ensure that your premium is paid on a regular basis.
  • Keep a copy of your policy including warranties and clauses attached to it.
  • Make an immediate report to your current provider/broker.
  • Take photos of the damaged properties or assets.
  • Keep all of the Original Official Receipts


We at Trinity are very much competent to provide sound advice regarding insurance. With 35 years of experience in the insurance industry, we have extensive knowledge in offering CUSTOMIZED and COST-EFFECTIVE insurance programs that are suited to our clients’ needs, and this is coupled with PROFESSIONAL and PERSONALIZED service which have been our focus since the beginning. At Trinity, not only do we provide an insurance policy, but moreover, we offer peace of mind.

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