Claims FAQ

Reporting a Claim

How do I report a claim?

You have three ways to report a loss:

• Call us at (800) 206-0960;
• Email your claim details to mgtclaims@us.davies-group.com;
• Reach out to your independent agent, who can file on your behalf and guide you through it.

When should I report a claim?

Please report any loss promptly. It's a good idea to contact us immediately if any of the following conditions occur:

• Damage or theft of property you own or that is in your care, custody or control;
• Injuries occurring to individuals while on your property or in your care, custody or control;
• Any lawsuits filed against you seeking compensation for either of the above.

What information should I have ready when I file?

Having the following on hand will help us get started right away:

• Your policy number and the named insured;
• The date, description and location of the loss;
• Contact information for the insured or the reporting party.

If you don't have everything in front of you, report the claim anyway. We can gather the rest as we go.

What To Expect After You Report

What happens after I report a claim?

An adjuster is assigned to your claim and will reach out within 24 hours of your report. MGT's team oversees every claim, while experienced third-party adjusters handle the hands-on work.

Who do I contact if I have a question about my claim?

Your assigned adjuster becomes your dedicated point of contact and will share their direct phone number and email, so you always know exactly who to reach. Your independent agent can also help at any point. For anything else, our claims team is available by phone at (800) 206-0960 or by email at mgtclaims@us.davies-group.com.

How do I find the status of my claim?

Contact your adjuster directly using the phone number and email they provided. They'll keep you informed at every stage, from first review to final resolution.

How long will it take to handle my claim?

Since each claim is unique, individual claim handling time may vary. Your adjuster will walk you through what to expect for your specific situation, and we issue payment as soon as we have what we need.

Claims Involving Your Property

What is a deductible?

A deductible is the portion of a covered loss for which you are responsible. For instance, if you have a covered loss amount of $6,000 and a deductible of $1,000, you would be responsible for the first $1,000 and your insurance would cover the remaining $5,000.

Are there any steps I should take to protect my property from further damage?

Yes. We recommend that you secure your property and take proper steps to limit any further damage. Please retain your receipts, because in most instances of covered loss and subject only to your policy limitations, we will reimburse you for monies spent in this regard.

How many repair estimates should I get for damage to property?

We recommend that you get at least two estimates, preferably three because the cost to repair or replace property may vary considerably by the vendor chosen. However, do not wait for estimates to report your claim. Your claim adjuster can provide additional information on how to obtain estimates.

Liability or Claims Due to Damage to Others

What is legal liability?

Legal Liability may result when a person or organization is responsible for something that causes injury to another person or their property.

What if I think someone may make a liability claim against my organization?

If you're concerned that someone may file a liability claim against your organization, we recommend that you contact our claims department to discuss the circumstances of the event in question and continue to provide any updates that may occur.

What if someone is injured while on my property?

You should provide immediate assistance and ensure the proper authorities are contacted for support. You shouldn't make any statements of fault or promises to pay another party. It's certainly appropriate to let the injured party know that you'll report the event to your insurance company for proper handling.

What should I do if a lawsuit is filed against my organization?

You should contact our claims department immediately to discuss any knowledge you may have regarding the details and events leading up to the lawsuit as well as the details of the lawsuit itself. You will be asked to provide a copy of the lawsuit and any other documentation you received related to the matter.