How to Report an Injury
By law, all workplace injuries must be reported — even if you dispute the legitimacy of the claim. The sooner an injury is reported, the quicker Beacon can help and begin a thorough investigation, which may include speaking with you and other involved parties.
Watch: How to Report an Injury Video
This short video walks you through when and how to report a workplace injury, what information you’ll need, and what to expect after the claim is submitted.
When should an injury be reported?
- Immediately after you become aware of the injury, even if no medical treatment is needed at the time.
- All alleged work-related injuries must be reported, even if you are unsure whether the injury is compensable, work-related or will require treatment.
- Prompt reporting creates a record of the incident and allows Beacon Mutual to begin communication and investigation as soon as possible. This helps preserve important facts and ensures appropriate follow-up if medical treatment or litigation arises. Any concerns about the claim should be noted when reporting so they can be reviewed by a claim representative.
Submit Your First Report of Injury by Policy
Report your claims 24/7, when it is convenient for you. By reporting online, you will receive an immediate confirmation with the claim number and the claim representative’s name, phone number and email address.
Beacon Mutual Policies
To report a claim online, you need an Online Portal account. If you do not have an account or see the First Report of Injury option, your organization’s key contact can create your account and assign the role needed to report workplace injuries.
Report a Claim Online: Beacon Mutual Online Portal
Report a Claim by Phone: (888) 886-4450
Submit a First Report of Injury Form by email or fax:
fnolreporting@beaconmutual.com or Fax: (401) 825-2980
Argo Group Policies
Employers with an Argo Group policy can report workplace injuries directly to Argo using either their online reporting tool or dedicated claims phone line.
Report a Claim Online: Argo First Notice of Loss Online
Report a Claim by Phone: (888) 884-2234
Download Argo Group Injury Reporting Guide
Zurich Policies
Employers with a Zurich policy can report workplace injuries through Zurich’s online claims center, by phone, email, or fax.
Report a Claim Online: Zurich Claims Center
Report a Claim by Phone, Email, or Fax:
(877) 405-9045
USZ_CareCenter@zurichna.com
Fax: (800) 622-8081
What information do I need to report an injury?
- Company name
- FEIN
- Beacon account number
- Policy number
- Full name
- Social Security number
- Address
- Date of birth
- Telephone number
- Date, time, and location of the injury
- How the injury occurred
- Type of injury (burn, cut, strain, etc.)
- Body part affected
- Name and address of the doctor or medical facility
- Witness names and contact information (if applicable)
What happens after I report an injury?
- Beacon creates an official claim record and assigns a claim number. Please reference this number in future communications and share it with your employee if they need medical attention, as healthcare providers may request it.
- For lost time claim submissions, our Beacon team will typically contact you within 24 hours. If approved, you may qualify for medical benefits and wage replacement while unable to work.
- Medical‑only claims may not require follow‑up unless requested or additional information is needed.
- If an employee is absent for over three consecutive days, Beacon will contact you. If you haven't heard from us and the employee is still experiencing time loss, please call to keep us updated.