Assessment services defined
by scope, not guesswork.
Eight classes of loss assessment plus risk survey work for underwriting support. Each engagement is scoped in writing before fieldwork begins, so the insurer knows exactly what will be delivered.
Burglary — Break-in & Theft
Structured evaluation of burglary, break-in and theft losses affecting residential, commercial and industrial premises — covering forced entry damage, items taken, security circumstances and the reported cause.
Burglary losses turn on detail: was entry forced or open, what was taken or damaged, and how does the pattern of damage compare with the circumstances reported? We document each element separately so the insurer can see exactly how conclusions were reached.
What this typically covers
- Forced entry and property damage evaluation
- Itemised schedules of goods taken or damaged
- Review of security measures and their condition at the time of loss
- Reported circumstances tested against the physical evidence
- Photographic and documentary schedules of the loss
Money — Theft / Robbery
Assessment of money, cash-in-transit and valuables losses arising from theft or robbery, including traceability of the funds, custody records and the circumstances reported.
Money losses rarely stand alone — they rest on records: custody chains, receipts, banking schedules and the reported account of events. We review the documentation available and quantify the loss clearly, separating what is evidenced from what is claimed.
What this typically covers
- Quantification of the cash or valuables lost
- Review of custody, cash-handling and banking records
- Traceability of funds and banking evidence
- Assessment of the reported robbery or theft circumstances
- Structured reports prepared for claims decisions
Motor — Theft or Accident
Assessment of motor losses arising from theft or accident, covering the extent of damage, theft circumstances, repair versus total-loss evaluation and related loss considerations.
Motor files move quickly, and the decisions made early shape the outcome. We provide clear, timely assessments that separate repairable damage from total-loss situations and set out the basis for every figure we present.
What this typically covers
- Accident damage assessment and repair methodology review
- Repair cost estimates benchmarked against market rates
- Total loss and salvage value evaluation
- Theft circumstances and verification of the loss
- Pre-incident condition considerations as instructed
Goods in Transit — Theft or Damage
Assessment of goods lost or damaged while in transit — including packing and handling considerations, loading and delivery records, and the circumstances of the loss.
Transit losses depend on the route, the packing, the handling and the documentation that accompanies the consignment. We assess what the records and evidence show about the loss and present findings the insurer can rely on.
What this typically covers
- Extent of goods lost or damaged
- Packing, loading and handling considerations
- Consignment and delivery documentation review
- Reported cause tested against available evidence
- Photographic and documentary schedules
Fidelity Guarantee — Embezzlement
Assessment of fidelity guarantee and embezzlement losses, including review of documentary evidence, quantification of the alleged shortage and the circumstances reported.
Fidelity losses rest almost entirely on documentary evidence: ledgers, records, audit trails and the reported account of the employee concerned. We approach these files methodically and set out precisely what the available documents support.
What this typically covers
- Review of ledgers, records and available audit documents
- Quantification of the alleged shortage
- Traceability of the period and circumstances reported
- Evidenced losses clearly separated from asserted ones
- Reporting structured for claims decisions
Professional Indemnity — Negligence
Assessment of professional indemnity claims arising from alleged negligence, including review of the matter, consideration of the standard of care and the basis of quantum.
Professional indemnity files require careful review of the services provided, the standard of care engaged and the basis of the amount claimed. We document the facts plainly and provide assessments that help insurers and their legal advisers weigh the claim.
What this typically covers
- Review of the services and circumstances alleged
- Consideration of standards of care and professional practice
- Assessment of the quantum pleaded
- Documentation of the basis for findings
- Support for deliberations with legal advisers
Public Liability — Death or Injury
Assessment of public liability claims involving death or injury, including the circumstances of the incident, liability considerations and the basis of the quantum claimed.
Public liability files must be handled with care and sensitivity. We examine the circumstances of the incident, the basis of liability advanced and the quantum claimed, and report findings in a form that supports the insurer’s decision.
What this typically covers
- Circumstances of the incident and site evidence
- Consideration of the basis of liability advanced
- Review of the quantum claimed
- Photographic and documentary support
- Sensitive, confidential handling throughout
Banks Blanket Bond — Fidelity, Cyber or Negligence
Assessment of banks blanket bond losses covering fidelity, cyber incidents or negligence, coordinated for financial institutions and their insurers with careful attention to policy terms.
Financial institutions and their insurers rely on careful assessment of blanket bond losses. We work methodically through the evidence — fidelity risks, cyber events or negligence — with close attention to the terms under which the claim is presented.
What this typically covers
- Review of the bond and the section engaged
- Fidelity, cyber and negligence loss evaluation
- Documentary and forensic evidence review (coordinated)
- Quantification consistent with policy terms
- Discreet handling of sensitive financial information
Risk Survey — Underwriting Support
Pre-risk and asset survey services beyond loss assessment — documenting construction, occupancy, protections and exposures to support informed underwriting decisions.
Good claims outcomes begin with good underwriting information. Our surveyors document construction, occupancy, protections and exposures on site and provide a consistent, current picture that helps underwriters make confident decisions.
What this typically covers
- Pre-risk surveys for new business underwriting
- Renewal survey support for existing portfolios
- Asset identification and verification visits
- Observations on visible risk features and housekeeping
- Reporting aligned to underwriting requirements
Simple to instruct.
Clear from the start.
Every engagement follows the same straightforward path, so instructing parties always know what happens next.
Send Assignment Details
Share the claim particulars, location and deadlines by phone, email or the enquiry form.
We Confirm Scope
You receive written confirmation of scope, timeline and the reporting you will receive.
Inspection & Reporting
Fieldwork proceeds per the agreed plan, followed by structured findings and support.
Not sure which service fits your file?
Tell us about the loss and we will confirm the right approach.