Claimant
What Is a Claimant in Insurance?
A claimant is the person or business who makes a claim on your insurance. In liability claims (when your business harms another), it’s usually a client or other third party. In property claims (like for a stolen massage table), you are the claimant.
TL;DR:
Claimant Definition in Insurance: The party claiming a loss and asking for payment from your insurance company
Why It Matters for Beauty and Bodywork Professionals
It’s crucial to understand who claims what — to keep the process moving so you can get back to helping clients.
- Know the roles: Who’s asking for money determines the claim type and process
- Faster resolution: Clear documentation helps the adjuster evaluate quickly
- Right coverage, right time: Small medical bills may route to the medical expense limit; claims of negligence trigger professional liability insurance
First-Party vs Third-Party Claimants: What’s the Difference?
In insurance, you are the first-party claimant, while clients are third-party claimants. Your insurer is the second party.
Swipe →
| Situation | Claim Type | Who Is the Claimant? |
|---|---|---|
|
Your facial steamer is stolen |
First-party (Tools & Supplies Coverage) |
You |
|
Client alleges a burn after a wax |
Third-party (Professional Liability) |
Client |
|
Your hot tools start a fire and damage your rented space |
Third-party
|
The landlord |
What to Do When Someone Becomes a Claimant
If someone makes a claim on your insurance, don’t admit fault and work with the insurer until it’s resolved.
- Document immediately: Gather photos, videos, incident notes, times and dates, and who was present
- Report promptly: Notify your insurer and provide contact info for the claimant
- Preserve evidence: Keep devices, products, and packaging; don’t repair or replace until advised
- Communicate professionally: Let the insurer handle fault and claim payments
Should I Talk to the Claimant — Or Refer Them to My Insurer?
Let the claimant know you’ll do your part to resolve the issue.
- Speak briefly and factually: Express concern, explain that your insurer handles claims, and provide their contact details
- Avoid speaking on liability: Don’t negotiate or offer reimbursements without insurer guidance
- Follow your carrier’s instructions: If they ask you not to discuss details, refer all questions to the adjuster
Additional Resources
Related Terms
- Additional Insured
- Adjuster
- Business Personal Property
- Certificate of Insurance
- Incident
- Insurance Claim
- Medical Payments
- Qualifying Event
- Third Party
