Risk and insurance · Incident Reporting (rm.Incidents)
Incident reporting software
Capture incidents once, decide whether insurance applies, and report to your carrier when it does.
The problem
Incidents are reported by phone, email and paper forms, so details are lost and carriers hear late. Late notice can put coverage at risk and raises claim costs, and without one record nobody decides consistently whether an incident belongs with your insurer, a vendor’s insurer or nowhere.
- Premiums32%Not directly affected.
- Retained losses62%Earlier notice protects coverage and lowers claim costs.
- Cost to manage risk6%In this example, reporting and managing claims takes about 720 staff hours a year, roughly $52,000.
Typical split from the Risk Diagnostic’s example: a public agency with a $1.2 billion budget. Take the diagnostic and this chart shows your own numbers.
What it does
Report from anywhere
A short web form on your intranet or public site, open to employees without a full account.
Forms that fit the incident
Configurable forms for each incident type and line (workers’ compensation, employment practices, auto, general liability, property), including near misses.
Documents and photos
Attach photos, witness statements, police reports and other documents to each incident.
Supervisor and witness input
Supervisors and witnesses add details through a secure link, without a full account.
One event, many incidents
Link the injuries and property damage from a single event so they are reviewed together.
Routing
Incidents go to the right owner by type, location and severity, with your notifications.
Coverage vetting
Decide whether your policy applies, or whether a vendor’s insurance should respond, before anything goes to a carrier.
Carrier notice
When coverage applies, report to your carrier or TPA with the details they need. Claims are then managed in their system.
Follow-up tasks
Assign corrective actions from an investigation and track them to closure.
Trends and full record
Spot repeat incidents by location, type and cause, with every action and message logged and ad-hoc reports in real time.
How it works
- 1Incident reported
- 2Routed and investigated
- 3Coverage vetted
- 4Reported to carrier, or closed
What to expect
Who uses it
Risk, safety, HR and facilities teams, plus the supervisors and employees who report incidents.
Questions
Can employees report without a full account?
Yes. Intake forms can be opened to a wider group than full users.
Does Incident Reporting manage claims?
No. It captures and vets incidents and reports them to your carrier or TPA. Claims are then managed in their system.
Can we report near misses?
Yes. Near misses get their own form, so patterns surface before anyone is hurt.
Related
Risk Control
Route, approve and close out loss control surveys and recommendations from internal and external engineers.
Learn morePolicy Management
Every policy, binder and endorsement in one register, read in by AI, with renewal dates, documents and approvals attached.
Learn moreKnowledge Management
Keep policies, procedures and FAQs in one library, and route questions to the right subject matter expert.
Learn moreWhat does risk cost your organization?
The free Risk Diagnostic gives you an approximate total cost of risk and shows where your organization’s time goes, compared with your industry. Then review it with an Exigis analyst at no cost.