The best laid plans of any business are never enough to completely account for the possibilities that can arise in the course of operation. In the event that something unexpected and damaging occurs, many businesses will preemptively purchase business insurance.
Business insurance or commercial insurance is a financial policy that protects businesses from losses. Losses covered by business insurance can include those related to natural disasters, accidents, and litigation. Some business insurance policies can even cover liability for employee-related risks.
If you have a business insurance policy, and an event occurs that is underwritten in the policy, then a claim may be made. If an event occurs that is not covered by your business insurance policy, then it is unlikely that a business insurance claim can be made.
In general, business insurance claims can be filed by anyone with a valid business insurance policy. Even in the event that a claim is made, however, it is not necessarily true that the claim will be accepted or result in compensation.