Claims

Claims overview

What Claims is

Claims in 21RISK is a dedicated board for registering and following insurance claims — from the moment a loss happens until the case is settled and closed.

Each claim records what happened, where it happened, and what it costs. Claims sit alongside your other 21RISK data, so a loss at a site can be seen next to that site's risk profile, open recommendations and insurance values.

Claims is a board, but a special one: an organization has exactly one Claims board. It uses board access, sites, statuses, activity logs and effective access like other boards.

Core concepts

Concept What it means
Claim One insurance case, registered on a site with a date of loss.
Claims line The line of business the claim belongs to: Liability or Property .
Damage type What caused the damage, for example Fire, Recall or Water Damage. The list is configurable per claims line.
Date of loss The date the damage occurred. Used for reporting per claim year.
Status Where the claim stands. New boards start with Open and Closed .
Payments The dated ledger of money paid on the claim, by the insurer or by you.

Claims lines

Every claim belongs to one of two lines:

  • Liability — claims where a third party holds you responsible, such as product liability, recall or professional indemnity.
  • Property — claims for damage to your own buildings, machinery and stock, such as fire, water damage or storm.

The line matters because damage types are configured per line, and because most claims reporting is split by line.

Damage types

Damage types describe the cause of the loss. They are managed by your organization, so you can match the terminology you already use with your broker and insurer.

Each claims line has its own list. When Claims is enabled, both lines are seeded with a starting set:

Line Default damage types
Liability Recall, Warranty, Water Damage, Workers Comp
Property Damage, Fire, Earthquake, Earth Movement, Water, Water Damage, Windstorm

To change the list, go to Claims > Settings . You can add a damage type to either line, or remove one you do not use.

Creating a claim

  1. Open Claims > List .
  2. Select New claim .
  3. Fill in the claim:
    • Name — a short description of the loss.
    • Site — where the loss happened.
    • Claims line and Damage type .
    • Date of loss .
    • Worst case claim estimate and Deductible — see Claim financials .
  4. Optionally set status, responsible, tags, notes and files.
  5. Select Create claim .

The damage types offered depend on the claims line you pick, so choose the line first.

Working with the claim list

Claims > List shows every claim on the board. The table works like other 21RISK tables: search, filter, sort, choose columns, and export to Excel or CSV.

Financial columns such as gross paid, gross outstanding and net incurred are available in the column picker, so you can build the view your team needs and save it.

Select a claim to open it. From the list the claim opens in a dialog; you can also open it as a full page. Both show the same form: claim details on the left, activity and comments on the right.

Statuses

A new Claims board is created with two statuses:

Status Meaning
Open The claim is active and being handled.
Closed The claim is finished.

Statuses are board statuses, so you can rename them or add your own — for example an intermediate Under assessment — under the board's status settings.

previous Insurance FAQ
next Claim financials