What is an incident?

An incident is any event that has or may result in property damage or bodily injury. Not all
incidents may result in an actual claim, however, all incidents should be reported to the
appropriate contact above.

What do I need to do in the event of an incident?

All incidents need to be reported to Sedgwick Claims as soon as practicable within 24 hours of
the incident. Incidents should be reported using the McGowan Allied Specialty Insurance Incident
Reporting form found in this Claims Kit, or on our website at www.mcgowanallied.com/contact-us/claims.

What will McGowan Allied do with the incident reports you submit?

McGowan Allied will review all incident reports and determine whether they warrant the initiation of an actual claim. If so, the report along with any other supporting documentation will be provided to the insurance carrier for formal claim management. Those incidents that do not warrant claim reporting will be filed as “Incident Only” events and kept in the McGowan Allied Claim Unit and monitored for future development. McGowan Allied will not initiate any claimant contact on “Incident Only” claims.

Any loss involving a CLAIM EMERGENCY should be reported
by phone immediately.

What constitutes a Claim Emergency?

Any incident resulting in:

• Fatality
• Dismemberment
• Quadriplegia/Paraplegia
• Head Trauma
• Severe Burns
• Rape/Sexual Assault
• Fractures
• Injuries involving multiple parties in the same accident
• Significant property damage
• Medical transport of injured party