Claims Administration
HSLI has a proactive, aggressive claims management philosophy providing multi-line claims administration for malpractice, general liability, auto liability, workers' compensation, and employee benefits. HSLI's adjusters are experienced and qualified to handle claims of any magnitude. Claims are investigated thoroughly, reserves are realistically set, subrogation against third parties is pursued when warranted, disputed claims are litigated and easy to read monthly loss information is provided to the client. Our goal is to promptly close all claims. For workers' compensation claims, we will know where your employee is, what they are doing, the seriousness of the injuries, and we will develop light duty programs designed specifically to return employees to work as soon as medically possible. HSLI's best practices have resulted in significant savings to self insurance programs.
PROMPT INVESTIGATION AND ADJUDICATION
All claims are investigated promptly and fairly, allowing for an informed evaluation as to liability and/or compensability as soon as possible. We want to know about the claim as soon as you do. That's why we have an 800 number for telephonic reporting of claims. We will even complete the incident form for you. Then our team goes to work. All claims are investigated thoroughly and communication with the insured and/or injured party takes place within 24 hours after the incident is reported to HSLI. Recorded statements are taken from the claimants, witnesses, the insured, and any other parties involved to adequately assess the liability.
HSLI's basic standard of claims investigation include:
- Objectivity
- Comprehensiveness
- Timeliness
- Determination of liability/compensability
