Claimant
Definition. A Claimant is the party making a claim under an insurance policy — either the policyholder (a first-party claim) or a third party seeking damages from the policyholder (a third-party claim).
Also known as: Claim Filer
Distinguished from the Adjuster (who evaluates the claim) and the named insured (who holds the policy). In a General Liability third-party claim, the claimant is the injured party suing the policyholder — for example, a customer who slipped and fell in the policyholder's store.
In a first-party claim (e.g., Commercial Property after a fire), the claimant is the policyholder itself reporting their own loss.
Example
A delivery driver hits a parked car. The car owner is the claimant under the driver's Commercial Auto liability claim. The car owner submits documentation; the carrier's Adjuster evaluates; settlement follows.
Sources cited
- Claimant —
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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