1. The business insurance policies need to notify accident within 24 to 72 hours of the event. If you are not able to inform the insurance agencies than you cant get recoveryIf any person injury or death inform the local police.
2. You must be clear about the coverage you are going to get on your policy. Please cross check with your company if any updates.
3. You must have to list out losses due to fire or other types of accidents, prepare a list of item damages, it will be helpful for insurance company.
4. You must see the balance sheet to the insurance company before incident and after the incidence.
5. The insurer need to choose the three options like cash payment and other options.
It is essential to onbey all these five steps of the claim. I think you must be contacct agent if you have any problem.