Claims Capabilities

Claims Philosophy

Our goal is to provide industry leading claims service to our policyholders. We achieve this goal by efficiently routing claims to the most appropriate claim professional, minimizing the use of outside vendors, and maintaining stringent standards for timely service, accuracy and policyholder satisfaction. Our philosophy, operating model, and claims process allow us to:

  • Get each claim to the right person as quickly and efficiently as possible;
  • Handle less severe claims quickly, efficiently, and cost effectively;
  • Focus critically important resources on more complex or catastrophic claims.

OPERATING MODEL
We are able to provide an unbeatable combination of local claim service supplemented by an extensive network of claim professionals in the field.

  • Our Field Claims Office in Indianapolis, Indiana services Indiana, Iowa, Minnesota, Nebraska, and North and South Dakota.
  • Our Field Claims Office in suburban Milwaukee, Wisconsin services Illinois, Michigan and Wisconsin. To expedite less severe property and auto claims, we utilize our Claims Service Center in Indianapolis, Indiana.
  • Low severity workers’ compensation claims are handled in our Wausau, Wisconsin Claim Service Center.

THE CLAIMS PROCESS
We understand the moment of truth arrives when our policyholders need us most – when a loss occurs. To ensure prompt and efficient attention to each claim, we have established the Indiana Insurance ANYTIME Claim Service™ (ANYTIME) for the initial reporting of all claims. One call to 800.279.7221 is all that is needed to begin the claims process. Our goal of delivering industry leading claim service starts with this first important step. ANYTIME is staffed 24-hours a day – 7 days a week – 365 days a year. This first point of contact has been established for both agents and policyholders to help ensure each claim starts off right.

One call – ANYTIME – 1.800.279.7221 – ANYWHERE – Gets your claim started!

Invaluable

Workers’ Compensation

Securing workers’ compensation protection is much more than just purchasing insurance. The benefits of a well managed workers’ compensation program include limiting both the frequency and severity of employee injuries, managing medical costs, delivering faster return-to-work outcomes, and reducing the potential for a negative impact on an organization’s bottom line.

At Indiana Insurance, we’ve designed a number of programs for our policyholders and their employees. Whether we’re fighting fraud, managing the care of an injured worker, or working with the policyholder to provide return-to-work alternatives, doing the right thing is at the forefront of everything we do – and a responsibility we take seriously.

Provider Referral Service is available to our policyholders and their employees 24-hours a day at www.Indiana-Ins.com. With this service, searches
may be performed to identify local preferred medical providers in communities all across our operating territory – and beyond.

Medical Bill Reviews are conducted to help ensure the medical care provided and the associated charges are both reasonable and related to the workplace injury.

Our Pharmacy Program is available for employees to fill prescriptions related to their workers’ compensation injuries. Once enrolled, a pharmacy card allows the employee to obtain prescriptions through a network of pharmacies without having to make an out-of-pocket payment.

Managed Care Programs are available in certain jurisdictions. This program proactively manages the medical care plan and process by reviewing medical records and injury information to ensure each employee is receiving proper treatment.

Intellectual

General Liability

Our Field Claim Offices have liability claim professionals and experienced management teams to assist in managing your risks and claim costs.

Litigation Management – When litigation is unavoidable, our goal is to manage the entire litigation process – from inception to disposition – to achieve
the best results possible for our policyholders. Helping people live safer, more secure lives is our mission and protecting our policyholder’s assets is a responsibility we take seriously.

Ingenious

Commercial Property

Because damage to property all too frequently occurs outside normal business hours, emergency repair services are available through our C.A.R.E.S.™
Program. With one call to our ANYTIME Claim reporting service, we are able to provide information on qualified contractors to perform emergency repairs to secure your facility and to help prevent further damage.

C.A.R.E.S.™ – Is our Contractor’s Approved Repair Estimate Service that provides pre-approved local professional contractors to inspect damage,
prepare estimates, and immediately set a date for repair work to begin – Usually within 24-hours of a claim being filed. Repairs made by a C.A.R.E.S.™
contractor receive a minimum one-year guarantee on the work performed.

When a catastrophic event produces widespread damage, rest assured that our local claim offices are fully supported by a dedicated Catastrophe Team
ready to step in and help. These team members may be mobilized on short notice to provide emergency claim services to our agents and policyholders
impacted by a catastrophic event.

Incomparable

Commercial Automobile

PACE – Premier Auto Claims Experience provides policyholders with access to a choice of local repair specialists to help ensure repairs to a damaged automobile will be done quickly and correctly. With PACE, we guarantee the repairs for as long as the policyholder owns the vehicle. We stand behind the quality of covered repairs – both parts and workmanship – with a written guarantee.