This is the process of submitting a claim or potential claim to an insurance carrier. It is critical to tender insurance claims promptly and following the requirements for doing so as specified in the applicable policy or policies that might cover the claim. It is particularly important to do so regarding claims or potential claims under directors and officers liability policies and other types of “claims-made” policies. Failure to give notice in a timely manner can result in a denial of a claim even though a timely tender would have resulted in coverage. See Article, Insurance Claims, Proper Submission, and your association’s insurance agent(s) or broker(s).