Will Commercial General Liability Insurance Premium Go Up If We File One Claim? 
The long and short is answer is yes and no . If it were only that easy . There are several factors that play into premium increases due to claims . The first is the insurance company policies and underwriting . Also , what type of business are you in . Followed by the two biggest factors in premium changes due to claims , which are frequency and severity . The frequency is the number of claims that you have and how often they occur . Also are your claims predictable or are they unforeseen . Severity refers to the size or dollar amount of the claim . All of these factors and more will go into the decision to change your premium . If it is a claim that can happen again and there are no risk management procedures in place at your business , that is not in your favor . If you have a rather large claim that exceeds your premium that is also not in your favor . If you shop insurance companies every year and have no loyalty to the carrier , that is not in you r favor . If you are late paying your premium or have minimum coverage limits that can also be viewed negatively . Conversely , if you do the opposite of the above mentioned , then a single claim maybe considered a rare occurrence and not worthy of effecting your premium the following year . The best thing to do is get with your agent and discuss all the facets of the claim and what best course of action to take . 