Independent loss assessment
For insurance companies, businesses and public bodies, we establish the causes and circumstances of a loss, the liabilities involved and the extent of the damage. Thanks to rigorous investigation, independent judgement and specialist technical expertise, we manage each case in an orderly way through to settlement, including negotiations for a fair agreement. This significantly reduces handling times and the risk of litigation.
Insurance companies
Businesses
Public bodies
Knowing the risk to insure it correctly
We carry out risk assessments of plants, facilities and operations, including in support of new initiatives, acquisitions or insurance programme renewals. We check whether sums insured, limits, deductibles and exclusions are adequate. We complete the analysis with a study of past claims and with risk engineering and loss prevention, to identify the measures that reduce exposure and improve how the insurance market assesses the risk.
The right balance between retained and transferred risk
We support management in defining the risk management strategy and in finding the most efficient balance between what is worth retaining and what should be transferred to the insurance market. We deal with:
Technical and operational support to the market
We support insurers in public administration tenders: we analyse tender specifications and risks, build the technical and economic offer and support them through the commercial phase. We also handle claims on an outsourced basis, including complex portfolios, with specialist expertise and dedicated operational teams.
Recovery claims handled at no cost to the client
When the damage is caused by a third party, we recover compensation out of court from the party responsible and their insurer. We agree the appropriate amount with the loss adjuster and claims handler, submit the proposal to the client for approval and follow the case until payment is actually made. Our fee is paid by the insurer as part of the settlement, at no cost to the client.
Alongside the insured in the most significant claims
In first-party claims, i.e. those indemnified under the client’s Property or All Risks policy, we act as the insured’s loss assessor when the severity of the damage requires constant discussion with the insurer’s loss adjuster. We follow every stage of the investigation: from reconstructing the causes to quantifying the loss, through to settlement of the indemnity. As a rule, the appointment involves no cost for the client, as our fees are covered by the “loss adjusters’ fees and expenses” clause found in most of these policies, within the limits the policy provides.