Pragmaticum Ltd Pragmaticum Logo The Oaks,
Uckfield Lane,
TN8 7LJ Hever, 01732860329
Pragmaticum Logo

Business Interruption Consultancy

Who We Are

The Directors of Pragmaticum have worked together for 30 years and have the experience to provide a high quality specialist service concentrating on all matters relating to complex business interruption claims and pre-loss advice.  

David Gamble

David Gamble was made a Vice-President of the Association of Insurance and Risk Managers (Airmic) in 2014 having served the organisation since 1998, first as Executive-Director from 1998 to 2006 and then as Chairman of the Airmic Academy until April 2018. During his tenure Airmic hosted the discussions after 9/11 which allowed the British airline industry to be the first in the world to win government backing  when the insurance industry withdrew cover, thus setting an example which the rest of the world followed.  

Read More

Airmic then provided input to discussions which resulted in the expansion of Pool Re’s conditions to cover terrorist attacks with biological, radiological, nuclear and chemical weapons. 

The opportunities for an Association as a result of the internet were taken up vigorously as was an online risk management course, funded by the EU, and produced in English, French, German and Italian. This course was written in the main by David and incorporated the risk management diagram which was included in the Risk Management Standard, developed in conjunction with the IRM  and ALARM and which has now been translated into over 12 languages.

Prior to Airmic David’s experience was in industrial marketing mainly for engineering and paper products. He worked in Japan for seven years as General Manager for Spirax Sarco, the world’s leading steam control company, and then for five years as President of English China Clays Japan. With the last company he oversaw the development of a major kaolin store which not only revolutionised how kaolin was delivered to the nearby mills but also, years later, thankfully survived the tsunami which devastated the area.

David is the co-author of four volumes of stories about successful risk-taking by remarkable leaders from 500 BCE to the present which were commissioned by a major German insurer.


Read Less
Adrian Maurice BSc
Chief Executive

Adrian’s career began with major consultancy Price Waterhouse. He then moved into claims advocacy specialising in business interruption, as well as dealing with individual cases he has also designed and run a number of major claims management projects. 

Read More

These included oil pollution claims in the wake of the Sea Empress disaster, compensation for the surrender of firearms and accessories after the Dunblane tragedy, and setting up the IT infrastructure and the medical assessment processes supporting the UK’s Business, Enterprise and Regulatory Reform’s respiratory disease compensation scheme for miners

Adrian’s business interests expanded from claims management systems into other areas of business process, such as document and content management, where for example he was responsible for the project to scan all the pension records for the NHS.

Over the past seven years Adrian has brought together his experience of specialising in business interruption claims, and operating one-off claim compensation schemes in representing the many SMEs that have been financially impacted by the high street banks mis-selling of interest hedging products. As well as representing the claimant Adrian is also advising the All Party Parliamentary Group on Fair Banking and supporting it in getting a fairer system of resolving disputes with these financial institutions.


Read Less
Dr Malcolm Stewart MBA, PhD, FCCA, FRSA
Technical Director

Dr Malcolm Stewart began his career in business interruption at the sharp end when the manufacturing business of which he was the finance director suffered a major fire. Some 20 years later he has amassed considerable experience in the assessment of complex commercial losses and has also expanded this talent to other related claims areas.

Read More

Malcolm is regarded as an international authority on litigation funding and is also probably the world’s leading authority on fishing claims having represented the majority of Spanish owned UK fishing companies that successfully sued the UK government (settlement of £20m) in the Factortame litigation.

Over the past 15 years Malcolm has represented claimants for every European oil tanker disaster (Braer, Sea Empress etc), devising models for the various fisheries affected and conducting extensive research into market pricing to support claims.

Malcolm has extensive practical and theoretical knowledge of business interruption insurance and claims. He has conducted numerous business interruption workshops for both the Chartered Institute of Insurers and the British Insurance Brokers Association. His paper on business interruption is available on the CII claims faculty website as no 1 in a series of professional pointers.

Malcolm has been part of the centre for risk and insurance studies within the University of Nottingham and was awarded an MBA (risk and insurance) with distinction. “What is a fair price for commercial litigation funding” was the question addressed in his prizewinning MBA dissertation, and he followed this with a part time PhD where his research was “The Regulation of Third Party Funding of Commercial Litigation. He is also highly proficient in the use of IT and statistical tools.


Read Less
Michael Fox FCA
Chairman Emeritus

Michael was Chairman from 2012 to 2019.

A qualified chartered accountant, Michael held several senior positions in the corporate sector before beginning his career in loss assessing, specialising in business interruption claims. He moved on to set up a professional niche business interruption service.

Read More

This business grew until in 1997 he sold it to his largest client. However, he continued to retain an interest, innovating and expanding into areas such as compulsory purchase orders, particularly in advance of the 2012 Olympics.

Over this time, Michael has focused on representing his clients after they have suffered a loss. His experience is vast, ranging from handling losses during the ‘troubles’ in Belfast through the IRA campaigns in the City to acting for large businesses around the country.

Michael is well known to the loss adjusting profession as a technically excellent professional with a depth of understanding of business interruption policy interpretation. His long experience has resulted in an almost encyclopaedic knowledge of businesses and how they are affected by major incidents.

He is a shrewd and wise tactician in disputes on liability and quantum, bringing common sense and compromise to the most entrenched of positions to the benefit of all concerned.


Read Less
John Barber LLB, FCII

John was Chairman of the Company until May 2012 during which time he took the business through the start up phase to being a thriving organisation. He remains a shareholder and keen supporter of the business.

Read More

A former chairman of the Institute of London Underwriters, John has held high level positions in a number of insurance companies including Royal Insurance Company (now part of RSA), Royal Reinsurance, Municipal Mutual, Imperial and marine reinsurance companies. He is now on the board of a number of entrepreneurial businesses.

John has always maintained a close interest in the technical aspects of insurance and for over five years has been a senior adviser to the UK Financial Services Authority. Here his considerable industry knowledge has been particularly valuable since the ‘credit crunch’ in contributing to the increased monitoring and development of regulation of the financial services sector.

John has extensive management experience at all levels and in a variety of major companies. His approach is inspirational – he is a qualified life coach and corporate coach.

As well as bringing technical insurance expertise to Pragmaticum, he provides guidance on strategy and oversees consistent application of our quality and unconflicted ethos.


Read Less
Bob Hickson

Bob started his career in claims handling by training as a loss adjuster. He then moved on to become a loss assessor, negotiating claims on behalf of insured companies, and eventually being appointed a director of the company for which he worked, with key client account relationship responsibilities.

Read More

During this period, he acquired significant commercial loss experience which stood him in good stead in his next role – that of a senior manager in a large accounting and consultancy practice – where he was charged with raising the insurance claims services offered by the firm, with a focus on audit, corporate finance and insolvency.

His final position before joining Pragmaticum was that of client services director for another large forensic accounting group, once again focusing on insurance claims solutions.

During his career, Bob has negotiated and achieved successful settlement of many large claims. His significant breadth of experience makes a valuable contribution to the Pragmaticum team.


Read Less
Julia Norman
Office Manager

Julia is the Office Manager for Pragmaticum and manages the administrative side of the business, projects and events. After qualifying and working as an Occupational Therapist and Advisor to the Disabled she lived in Dubai for nine years where she studied computer programming and accounting and was employed in the oilfield supply industry. Julia has worked with the Directors for over twenty years.