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Claims

OBLIC’s policyholders are extremely loyal and express high appreciation for the quality of our claims service. Claims are processed by long-tenured attorneys from start to finish. OBLIC has a history of offering loss control seminars in partnership with the Solo, Small Firms & General Practice Section of the OSBA. We also provide customers with malpractice alert newsletters and with other literature pertinent to loss control (such as free copies of the Ohio Rules of Professional Conduct).

Reporting a Claim

In the event any Insured directly or indirectly becomes involved in any situation which any Insured believes may result in a “Claim” against any Insured, that Insured should immediately report it in writing to an OBLIC Claims representative.

All “Claims” must be reported in writing by mail, hand delivery to the Company, or by facsimile transmission the receipt of which is confirmed by the Company in writing. Telephone notice and/or e-mail is NOT sufficient to constitute notice under the Policy.

Claims FAQs

Below are some of the frequently asked questions we receive about claims. If your question is not listed, please feel free to contact us to ask us about it.

What is a Claims-Made and Reported policy?
"Claims-Made and Reported" insurance is a policy under which the insurance company Is responsible for the defense and payment of those claims first made against the insured and reported to the insurer during the period when the policy is in effect. Benefits to the insured are two-fold. The premium for a current policy does not have to be loaded to provide for future claims at their inflated values. Such future claims will be paid by the future premiums of the policies in effect in the future. Another benefit is the opportunity to "tailor" the limits of liability to fit the claims cost situation, and to adjust limits of liability for economic and social inflation. This enables the insured to provide adequate protection in the year the claim may arise.
How do I report a claim?
In the event any Insured directly or indirectly becomes involved in any situation which any Insured believes may result in a “Claim” against any Insured, that Insured should immediately report it in writing to an OBLIC Claims representative. All “Claims” must be reported in writing by mail, hand delivery to the Company, or by facsimile transmission the receipt of which is confirmed by the Company in writing. Telephone notice and/or e-mail is NOT sufficient to constitute notice under the Policy.
Do I report a claim even though there has not yet been a demand for money or services?
Yes, by policy definition, this must be reported to the company in a renewal application if not before. See your policies definitions for the definition of a claim.
Should I report something I don’t think is covered?
Yes. It is best to let the claim professionals at OBLIC determine coverage. If you fail to report a claim in a timely manner, coverage could be jeopardized.
Should I report a claim that appears to be within the policy deductible?
Yes. The full amount of the claim might not be readily ascertainable. Late reporting could jeopardize coverage for the claim.
What type of payment does the deductible apply to?
The deductible applies to payments made to a claimant, as well as to legal fees and expenses incurred in defending a claim.  Please refer to the policy, or contact OBLIC with any questions regarding the policy deductible.
Should I advise my client about a mistake I discover?
Yes. You should contact OBLIC immediately; if possible, prior to discussing the situation with the client. You should also consult the Supreme Court Rules of Professional Conduct.
Should I advise my client to retain new counsel?
That will depend on the circumstances. Contact OBLIC’s Claims department.
Can I continue to represent my client after I discover I have made an error?
That will depend on the circumstances. Contact OBLIC’s Claims department.
How do I make a premium or deductible payment?
  • Whether you opted-in or opted-out of email notifications, you can pay your invoice online or by mail.
  • Online via clicking here: Make a payment:
    • Credit Card
    • Debit Card
    • ACH
  • Mail:
    • Send to OBLIC, PO Box 2708, Columbus, Ohio 43216-2708.
    • Make check payable to OBLIC
    • Personal Check or Money Order
How am I notified if a deductible is due?
You will receive an email notification from DO_NOT_REPLY_OBLIC@billerpayments.com or an invoice will be mailed USPS depending on your delivery preference.
What are my payment options?
Pay in full or five equal installments. Deductibles must be paid in full.
Question About Making a Claim?

Call (800) 227-4111