What to do when a worker gets injured on the job

Protective will provide you with the necessary guidance after a work-related employee injury. Our claims management process is efficient, effective and provides superior support for our customers. Be prepared by being aware of how our process works should any incidents happen.

• Report all incidents to Protective. You can report a claim 24 hours a day, seven days a week either online, by phone at (800) 479-0981 or by fax at (317) 715-9639. You can also report claims through the Protective mobile app.
• A claims adjuster will contact you within 48 hours to obtain basic information about your employee and transcribe your explanation of the events surrounding the potential claim.
• As the employer, you will be asked to complete a wage statement for the employee. This typically asks for a 52-week pay history.
• Claims will be designated as Records only, Medical only or Lost time:
• Records only consists of claims that involve no financial activity and are simply reported to make Protective aware of a potential claim. These typically arise when an employee reports an incident, but the employee does not need to seek medical treatment and does not miss any work.
• Medical only includes claims where the employee received medical attention, but required no lost time from work.
• Lost time refers to claims that involve any medically excused time away from work.
• All claims will be fully investigated by licensed adjusters who are professionally trained to handle claims in your state. Protective’s claim staff has an average of 10 years of experience.
• Protective will provide ongoing communication with the authorized officer of the business during the time that the claim remains open.
• A review of your claim history, cost projections and loss runs are available any time by request.