Insurance Claims & FAQ's
Q: Are providers required to have liability insurance?
A: Field Nation has always required Providers to attest that they have certain minimum insurance coverage including $1,000,000 of general liability coverage. We now require providers to show evidence of the insurance by uploading a current, valid certificate of insurance.
Q: What is the Field Nation coverage?
A: Field Nation’s general liability insurance covers general liability and professional liability (errors and omissions) claims for (1) work orders performed through the Field Nation marketplace platform and (2) where the provider does not have general liability insurance. This coverage does not extend to any work that is not directly related to the Field Nation marketplace platform.
Q: What is general liability insurance?
A: General liability insurance protects a business (provider) from a variety of claims for bodily injury of others onsite and damage to someone else's property that arise from their business operation.
Q: What is professional liability insurance?
A: Professional liability insurance, also known as errors & omissions (E&O), is a form of liability insurance that protects professional advice and service providing businesses (provider) from claims made by a client (your customer), and damages awarded in the case of negligence or other potential errors.
Q: Why is professional liability insurance important?
A: A typical general liability insurance policy will only respond to a bodily injury, property damage or personal injury claim, whereas various professional services and products can give rise to legal claims without causing any of the specific types of harm covered by general liability policies. Common claims that professional liability insurance covers are negligence and inaccurate advice (an error or omission).
Q: Does Field Nation cover Workman's Comp Claims?
A: Field Nation's insurance only covers General Liability and Professional Liability (Errors & Omissions). We do not cover Worker's Comp Insurance or Claims. All Field Nation providers are 1099 contractors or service companies and are required to provider their own Workers Compensation coverage as per their local or state laws.
Q: A provider has damaged equipment or parts while onsite, what do I do?
A: Once the damage is confirm you can go to the following link: File an Insurance Claim and complete the form, this will alert Field Nation and we will begin looking into the situation for you.
Q: What do I need to file a claim?
A: Typically we will need photos of the damage and/or a statement detailing the damages. You will likely be asked to provide a copy of the receipt or quote for the repair or replacement.
Q: When can I file a claim?
A: Claims should be submitted within 30 days of the incident when the damage was caused.
Q: A provider has mine or my customer's parts, can I file a claim on them?
A: Typically missing parts are not covered as that would be considered theft or loss rather than damage, and would be a legal matter. If this should come up you should start by contacting our support department by email, phone, or by reporting a problem on the work order. We will assist you in the best manner we can to resolve the matter.
Q: What if the provider has their own insurance?
A: You should first contact the provider to request a copy of their COI. If they are unresponsive and/or do not provide a copy you can reach out to Field Nation Support to have them assist you with confirming and providing a copy of the COI. Once you have a copy of their COI you can proceed to file the claim with their insurance company directly. If you are unable to do so for any reason you may still fill out the File an Insurance Claim form and we make sure you are covered either way.
***We reserve the right to change these policies, procedures, and/or coverages at any time without notification.***
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