CALCULATOR

Claim vs. Pay: Client Property Damage

Your crew damaged a client's property. Enter the numbers and get a clear recommendation — file the general liability claim or pay out-of-pocket.

The Damage

Estimated repair costwhat it will cost to fix

Your deductible

Type of damage

Do you know what caused the damage?

Client relationship

Claims filed in the last 3 years

Type of work your company doesaffects typical premium increase ranges

Current annual premium

Estimated premium increase after a claimyour best guess or ask your broker

% / yr

How long will you stay with this insurer?affects total premium increase

If you pay out-of-pocket

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If you file a claim (3 yr cost)

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Document every job before something goes wrong

Ledge logs photos, scope changes, and client sign-offs on every job — so you have a record if a client ever disputes the work.