Commercial
Property
- Overview
- Product Information
- FAQ's
- Bulletins
- Claims Services
- Report Fraud
- Our Safety Services
- Financial Facts
- Contact Us
- Our Other Lines:
How To Report Commercial Property Fraud
If you suspect fraud, contact the NICB (National Insurance Crime Bureau) Hotline. You may remain anonymous.
NICB Fraud Hotline 800.835.6422
You may also contact our Fraud Unit.
- Our Special Investigations Unit
When Someone Comes to Your Door Offering Services after a Catastrophe
Our Special Investigations Unit (SIU)
Our SIU employs professionals who are licensed private investigators with insurance claims experience. The SIU function is not hired out to vendors. Our goal is to help prevent, detect and deter white-collar crime.
Our anti-fraud services include applicant, premium fraud, medical and legal fraud investigations.
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How ICW Fights Fraud
We actively fight fraud by:
- Training our employees on the red flag indicators.
- Partnering with professional investigative vendors who assist us in the investigation of suspect claims.
- Investigating cases and reporting if fraud is suspected, to the Department of Insurance Fraud Division and local District Attorney offices.
- Partnering with anti-fraud vendors who track insurance claims history.
- Having our Safety Services Department inspect the risks to verify the exposure.
- Maintaining working relationships with local law enforcement agencies to fight insurance fraud.
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When Someone Comes to Your Door Offering Services after a Catastrophe:
- Get more than one estimate.
- Do not be pushed into signing a contract.
- Get everything in writing: the cost, work to be done, and a full time schedule.
- Demand references, and be sure to check them out!
- Ask to see the salesperson's driver's license and write the license number.
- Take down the license plate number.
- Never sign a contract with blanks.
- Never pay a contractor in full or sign a completion certificate until the work is completed.
- Check your local Better Business Bureau for references.
- Check out the contractors' business license and proof of insurance.
- Insurance coverage may be rendered void if intentional misrepresentation by a policyholder is discovered.
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Quick Links
In The Spotlight
- As of March 1, 2007, the Insurance Company of the West has begun offering Earthquake and Flood limits along with their very competitive Commercial Property coverage. This coverage is available through appointed agents and brokers.
Appointed retail agents can access EQ limits up to $1,000,000 for risks within California and $2,000,000 for all other states. Appointed wholesale brokers can obtain EQ limits up to $15,000,000 depending on the risk location.
The combination of Earthquake/Flood and Commercial Property coverage on the same policy creates a highly valued insurance product in today’s competitive marketplace.