Policy Interpretation

We are experienced in working  with a wide range of policy types and wordings and the way in which the business interruption coverage should integrate with the rest of  the policy. We  advise on the adequacy of cover both in terms of scope, sums insured and  limits,  as well as any sub limits, exclusions or other restrictions that may apply.

We will give a view on whether the maximum indemnity period is likely to be adequate and consider areas in which costs might be covered or included as increased (or Additional increased) cost of working.

Advice in Mitigation and Future Strategies

When instructed early following a loss event, we can assist in drawing up strategies to mitigate the loss which, in some cases may involve innovative solutions. Whereas material damage is largely a matter of fact, the business interruption loss can vary considerably depending on what action the business takes.

We believe it is better to recover 100% of a smaller loss than 80% of a much larger one where issues can become more contentious. We can prove the worth of these mitigating strategies and bring insurers into the decision making process at the outset, to simplify the eventual settlement process.

Financial Analysis

The analysis of historic data is an essential part in understanding the past and therefore the likely future performance of a business. The more granular this analysis, the more confidence is gained. We have a leading capability in big data analysis and crucially, in asking the right questions to make the analysis pertinent.

Claim Preparation

A technically sound and well-presented assessment is essential for insurers to have confidence in the claim. This is where we excel. Beyond mere calculation, we seek to optimise the policy coverage, ensuring that losses are recovered under the most appropriate part of the policy.

We are familiar with insurers’ requirements for full documentation and we provide their experts  with compelling arguments and evidence to facilitate the early admission of liability and prompt regular payment until settlement.

Advocacy and Settlement

Invariably we frequently deal with the same experts appointed by  insurers.  The quality of our claim submissions combined with  our constructive  approach mean we have excellent professional working relationships with these experts. 

Achieving the optimum  settlement based on strong claim presentation is our stated goal.