The Importance of an Incident Reporting System

















An incident (or accident) reporting system is important for small businesses to have in place no matter your industry. However, some types of businesses are more susceptible to unusual events or injuries occurring, especially those that treat clients (doctors or physiotherapists for example). Nevertheless, any business that has a physical premise could experience an incident where someone can get hurt on their property.

The primary purpose of an incident/accident reporting system is to document, through the completion of a form, the specific details surrounding an incident/accident while it is still fresh in everyone’s mind. If the individual injured is a patient, a staff member or a visitor, a report should be filled out regardless. The information contained in the report might be useful down the road in the event of a lawsuit or liability issues associated with the event. Say for example, one of your customers slips and injures themselves while at your business. One year later they could decide to sue you for their injuries and it will be a lot harder to remember the exact details of the incident if you have no documentation.

A reporting form should be made readily available to all staff and they should be encouraged to fill it out as soon as possible, usually right after the injured person is looked after so that attempts of remedying the situation may be documented as well. The completed form should be kept on file for as long as possible. Recommended items the form should contain include:


Date and time of the incident;

Injured person’s name, address, date of birth and any other relevant information;

A description of the incident and any resulting or possible injuries;

A description of any treatment given to the person on the scene (i.e. first aid) and details on whether they sought further treatment (i.e.: hospital or physician visit);

Name, contact information and brief statement from any witnesses to the incident;

Any other details of the incident that the person completing the form deems important;

Name and signature of the person completing the form, including the date they completed it.


If you have any questions regarding the information above or if you would like to discuss your current policy with a broker, our Bullfrog Insurance brokers would be happy to help you out.

New Year = New Opportunity to Review Your Risks

















The first few weeks at the beginning of the new year is a great opportunity for businesses to conduct a yearly review and to also review their current insurance policy. Within a year, significant changes to your business can occur.  Whether it was growth in the number of new employees or the inclusion of new equipment, it is important that your insurance policy is updated to reflect and cover these changes.

If changes need to be made to your policy or if you are unsure if changes need to be made, you can easily call Bullfrog Insurance or your broker to find out.

Here are some helpful tips to consider in order to ensure that your business, and its risk protection, is off to a great start.


Make a list of new insurable items.
Over the past year, has your business purchased any new equipment, inventory and contents? Have you added a second location? These are changes that should be included in your policy.


Added a vehicle to your business?
It’s key to know that your personal auto insurance policy will not cover your vehicle when used for business. If you use the vehicle for business related services such as delivery or making house calls to offer a service, you need a separate auto policy for the vehicle to be insured and covered should a claim unfortunately occur.


Hired more employees or added new activities to their job outline?
As you hire more staff or expand job activities to suit the growing need of your business, you should always check that you have appropriate coverage. For example, if you are a contractor, you should make sure you disclose all new activities to your insurance broker to ensure your liability coverage will protect you.


You are a start-up working out of a home office.
Working out of a home office doesn’t mean that your business is automatically insured through an existing home insurance policy. Should any claims be made toward the location without a proper business insurance policy in place, the claim may not be paid and your business will take a financial hit.


If you have any questions regarding the information above or if you would like to discuss your current policy with a broker, our Bullfrog Insurance brokers would be happy to help you out.

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