I had a total loss of a piece of essential equipment at my business. The claim went to Sedgwick to handle and pure and simple, it was a nightmare. I founded and ran two businesses, one for 35 years, the other going on 13 years. A quick settlement was crucial. It was a very straight forward settlement that was bungled and pass around when my "REP" unexpectedly whent on vacation. The settlement took months. If check wiith your insurance company to see who settles the claims. My insurance company did a good job on a smaller claim years before, but this added unbelievable stress and financial burden and crippled my business for a good two years, not to mention the loss growth. Their website spiel would make a snake oil salesman proud!