Generate a full detail guide for business owners on what to do when they need to file a commercial insurance claim. The guide must be a chronological, step-by-step process. It should include detailed sections on: 1. Immediate Steps to Take After an Incident (e.g., ensuring safety, documenting the scene). 2. How to officially file the claim with your insurance provider. 3. A guide to documenting all losses and expenses thoroughly. 4. How to communicate effectively with the insurance adjuster. 5. What to do if your claim is denied. Please include a disclaimer to read your specific policy documents carefully.