Our Loss Adjusters are able to lay the foundations and undertake a detailed and disciplined investigation with all of the relevant parties, to ensure that all of the facts and documents pertaining to the claim are obtained.
We have an in-house team of Surveyors and and access to Engineers, who can work with our dedicated team of Adjusters to provide a seamless quality project managed strategy to control your indemnity spend.
The expertise within the team enables them to build relationships with the insured and interpret complex contractual wordings and policy coverage issues to provide concise and clear advice to our principals.
Obtaining early independent expert advice such as forensic expertise is sometimes crucial. We will recognise and at the earliest point possible when any independent experts are required to assist and work in partnership with them to achieve the best possible outcome.
We have extensive knowledge in handling Business Interruption claims. Our dedicated personnel aligned with our processes are geared to recognise interruption from First Notification of Loss (FNOL) to enable us to mitigate interruption periods from day one, saving Insurers excess indemnity spend from the outset.
Our Adjusters are all trained to recognise potential business interruption and utilise flare in their approach to mitigate losses and where appropriate and if available will utilise the increased cost in working section of the policy to avoid additional unnecessary loss.
We have partnered with a firm of Forensic Accountants to assist us in the management of the high value and complex business interruption claims. We have Chartered Accountants within our teams that can assist and interrogate any BI loss ensuring accurate indemnity in line with the limit of cover provided for.
We offer bespoke services tailored to client’s individual needs and requirements. We understand the complexities of smaller enterprises and are always on hand to provide guidance and assistance throughout the claims process. Working with Insurers, Brokers, and partners we ensure all parties are updated throughout the lifecycle of the claim and look to resolve in the most effective route.
We have extensive knowledge across a wide range of commercial portfolios including shops, public houses, industrial premises, property owners and contract works.
Over the last decade we have developed an understanding of the needs of Insurers in relation to specialist products.
Our specialist claims Adjusters will visit site to gather the facts and and following validation circumstances, we will provide you with our detailed report.
We have a flexible product that suits this specialist insurance for mortgagees. Following validation of both circumstances and quantum, we will provide you with our report on the limit of liability relating to the loss taking into consideration any outstanding loan.
In most cases we prepare a priced schedule of the works needed for the lender’s interest to make an informed decision with the underwriter on the extent of the indemnity as a cash payment. Sometimes it is considered beneficial to complete works before a sale proceeds on behalf of the lender.
Whether we are dealing with a low value or complex personal injury or property damage claim, our Casualty Adjusters are able to lay the foundations and undertake a detailed and disciplined investigation with all relevant parties, to ensure all of the facts, witness evidence and documents pertaining to the claim are obtained.
For property damage claims, we also have access to pricing validation tools to assist with our investigations.
We recognise that obtaining early independent advice can often be crucial to achieve the desired outcome. Our team will address all matters in question and provide clear advice for resolution to allow control of your indemnity spend.
Whether we are dealing with a low value or complex third party property damage claim, we will provide a comprehensive report bespoke to our principals’ requirements in a timely manner, addressing all matters in question.
Whilst we have access to pricing validation tools to assist in ensuring that we are protecting indemnity spend, we can also collaborate with Adjusters from our various divisions as well as a preferred contractor repair network, ProACT whose skillset is often required to ensure that we have the most suitable expert assisting to achieve the desired outcome for our principals and their insureds.
Having access to Adjusters with the required skillset, ensures that we can provide or recommend a ‘one stop shop’ and a flexible solution for our principals.
Our team of both desk and field adjusters are both experienced and qualified in the handling of commercial claims. Indeed, we are fully conversant in the handling of SME claims right through to larger blue chip complex commercial businesses in the manufacturing, retail and industrial sectors.
Our operating model has been designed to be completely customer centric, to ensure that the customer always has a central point of contact. Our team are fully empowered and confident to make the right claims decision and are given the adequate time to deliver a quality service in-line with the promises made to our clients resulting in exceptional customer service whilst controlling both lifecycle and spend.
We are flexible in our definition of Major and Complex Loss to suit our customers own claims philosophy.
We have a robust skills matrix that sits behind our system, driven by experience, qualification and specialism of each of our teams to enable the correct Adjuster be allocated to the claim at the point of FNOL. This ensures that the right Adjuster deals with the right claims from day one. Where necessary we will assign a team of experienced Adjusters to work on one file in collaboration.
We recognise the importance of early intervention and will work tirelessly to ensure that the claim is proactively moved forward at every juncture. Accurate updates of reserves will be timely and early mitigation techniques will be employed day one to eradicate failure demand, reduce the lifecycle and ultimately limit Insurers indemnity spend.
Collaboration and empathy are all part of the claim process. Whether we are dealing with portal claims, multi-track claims or, claims with various degrees of complexity; disease or work-related accidents, our Casualty Adjusters are able to lay the foundations and undertake a detailed and disciplined investigation with all relevant parties, to ensure all of the facts, witness evidence and documents pertaining to the claim are obtained.
A comprehensive report bespoke to our Principals requirements is presented within the time allocated. This will address all matters in question and clear advice for resolution is provided to control indemnity spend.
Our dedicated team have built an impressive reputation with its Principal Insurers for defending tree root liability claims.
We do not over complicate our product offering and work closely with our clients to provide a bespoke and tailored product to suit their business requirements.
Over the years, whilst providing pro-active claim management to reduce the life cycles of claims, we have worked closely with Risk Managers, Underwriters and Arboricultural Teams, analysing technical evidence presented to ensure we identify causation at the earliest opportunity and provide concise mitigation measures to ensure we have clear focus and control over your indemnity spend.
As a result of working closely with our Arboricultural Teams, we have developed a risk dependant, tree inspection and maintenance regime which has enabled us to record a high defence rate.