Claimant Definition

The "Legal-Ease" Glossary
Claimant

This is a person who files a claim in order to receive insurance benefits. It may refer to you, the policy holder, or a third party. The type of claimant varies depending on how broad your insurance coverage is.

In order to be a claimant, you must be named on a business insurance policy, and in order to file the claim, you must be able to prove your identity and support the claim.

For example, if someone rear-ends your business vehicle, you may need to file a claim with your Commercial Auto Insurance carrier and provide…

  • Proof of coverage. Your policy number and other identifying information will do the trick. This information is listed on your Certificate of Liability Insurance or COLI (defined here).
  • Proof of loss. This officially outlines the cost of the damages. Your insurer may require this document before you can receive insurance benefits.

Keep in mind that you don’t have to be the primary policyholder in order to be a claimant. For example, say you own a cleaning services business, and you contract with a client who owns a commercial office building. If you’re an additional insured on their General Liability Insurance policy, you can make a claim on their policy. You may need to do so if one of the client’s visitors slipped and fell on the floors you mopped and they are suing your business for medical expenses.

To learn more about the process of filing a claim, be sure to check out our blog post, “How Do I File a Workers’ Comp Claim?

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