--- title: Claims | Knowledge Base description: Claims --- [Skip to content](https://support.ircnow.com/en-ca/knowledge-base/claims#main-content) ![IRC Logo](https://support.ircnow.com/hs-fs/hubfs/irclogo.png?width=47&height=40&name=irclogo.png) Open main navigation Close main navigation - [Contact us](mailto:support@ircnow.com) [Contact us](mailto:support@ircnow.com) Hello there. How can we help you today? - There are no suggestions because the search field is empty. 1. [Knowledge Base](https://support.ircnow.com/en-ca/knowledge-base) 2. [Claims](https://support.ircnow.com/en-ca/knowledge-base/claims) # Claims - [What is considered an incident that should be reported?](https://support.ircnow.com/en-ca/knowledge-base/what-is-considered-an-incident-that-should-be-reported) - [When am I responsible for the $1,500 self-insured retention / deductible on a claim?](https://support.ircnow.com/en-ca/knowledge-base/when-am-i-responsible-for-the-1500-self-insured-retention-/-deductible-on-a-claim) - [What is my responsibility when I have a claim or incident that could lead to a claim?](https://support.ircnow.com/en-ca/knowledge-base/what-is-my-responsibility-when-i-have-a-claim-or-incident-that-could-lead-to-a-claim) - [What happens if a claim is not reported immediately or the 8 step process is not followed?](https://support.ircnow.com/en-ca/knowledge-base/what-happens-if-a-claim-is-not-reported-immediately-or-the-8-step-process-is-not-followed) - [What documentation must be filed when I have an incident that could lead to a claim?](https://support.ircnow.com/en-ca/knowledge-base/what-documentation-must-be-filed-when-i-have-an-incident-that-could-lead-to-a-claim) - [What if the cost of my defence and the legal award found by the courts is greater than the liability limit I had through the Facility User Program?](https://support.ircnow.com/en-ca/knowledge-base/what-if-the-cost-of-my-defence-and-the-legal-award-found-by-the-courts-is-greater-than-the-liability-limit-i-had-through-the-facility-user-program) - [What happens if we refuse to cooperate with the Insurance Company because we do not agree with the way they are handling the claim?](https://support.ircnow.com/en-ca/knowledge-base/what-happens-if-we-refuse-to-cooperate-with-the-insurance-company-because-we-do-not-agree-with-the-way-they-are-handling-the-claim) - [What happens if a volunteer, participant, or a spectator does not threaten to sue, but presents bills for medical expenses or damaged property caused at our event or activity?](https://support.ircnow.com/en-ca/knowledge-base/what-happens-if-a-volunteer-participant-or-a-spectator-does-not-threaten-to-sue-but-presents-bills-for-medical-expenses-or-damaged-property-caused-at-our-event-or-activity) See less ▼ - [Policy](https://support.ircnow.com/en-ca/knowledge-base/policy) - [How to Guide](https://support.ircnow.com/en-ca/knowledge-base/how-to-guide) - [Facility Rental User Insurance](https://support.ircnow.com/en-ca/knowledge-base/facility-rental-user-insurance) - [Claims](https://support.ircnow.com/en-ca/knowledge-base/claims) - [Liquor](https://support.ircnow.com/en-ca/knowledge-base/liquor) [![instantriskcoverage-logo-full](https://support.ircnow.com/hs-fs/hubfs/instantriskcoverage-logo-full.png?width=196&height=24&name=instantriskcoverage-logo-full.png "instantriskcoverage-logo-full")](https://support.ircnow.com/) Contact us at [support@ircnow.com](mailto:support@ircnow.com) or call +1 (800) 517-1390 for support. Copyright © 2026, Instant Risk Coverage