About Morgan Clark
At Morgan Clark, we are proud to be the UK’s leading firm of Loss Assessors, providing expert claims management for individuals and businesses. With decades of experience in the insurance industry, our mission is to support policyholders through the complex and often stressful claims process, helping them secure the best possible outcome.
As independent Loss Assessors, we work exclusively for you, not the insurance company. Our team handles every aspect of the claim, from assessing the damage to negotiating with Loss Adjusters, ensuring that your claim is settled fairly and efficiently. Whether it’s a claim for fire, flood, storm, or another disaster, our specialists are here to help when you need it most.
Our Awards
At Morgan Clark, we are proud to be recognised across the industry for the quality of our loss assessing services and our commitment to supporting policyholders throughout the claims process.
We are multi-award winners, having been named Loss Assessor of the Year for four consecutive years (2023, 2024, 2025 and 2026). Most recently, in 2026, we were highly commended for Best Customer Service at the Modern Claims Awards. Additionally, we received the Best Customer Care Award at the Best Business Awards in 2025 and were honoured with the Best Customer Focus Award in 2023. We were also awarded Best Loss Assessors – Northern England in the Outstanding Claims Service Award (2025) category.
These accolades reflect the expertise of our team, our consistent service standards, and our focus on achieving fair outcomes for our clients when they need support most.
Best Customer Service 2026
Loss Assessor of the Year 2026
Best Customer Care 2025
Best Loss Assessors – Northern England 2025
Loss Assessor Of The Year 2025
Loss Assessor Of The Year 2024
Loss Assessor Of The Year 2023
Best Customer Focus 2023
Why Choose Us?
-
- Expertise and Experience: With over 25 years in the industry and thousands of claims managed successfully, our deep knowledge allows us to anticipate challenges and resolve issues before they become obstacles. Thanks to a focus on quality recruitment and exceptional staff retention, our team is widely recognised as the most experienced and dedicated in the industry – built on a foundation of integrity and an absolute commitment to our clients’ best interests.
-
- Personal Service: Every claim is unique, and our approach reflects that. We assign a dedicated Loss Assessor and assistant to each client, establishing a direct line of communication for the duration of your claim. This ensures you receive tailored advice, efficient claim progression and deeply personal, expert care from start to finish.
-
- Proven Results: Our track record speaks for itself. Exceptional independent reviews, client testimonials, and industry awards showcase our commitment to our clients. Morgan Clark has been recognised as ‘Loss Assessor of the Year’ for three consecutive years, alongside receiving the ‘Best Customer Focus Award’, ‘Outstanding Claims Service Award’ and ‘Best Customer Care Winner’ – these industry honours reflect our unwavering dedication and commitment to our clients
-
- Integrity: Honesty and transparency are at the core of everything we do. We provide expert, unbiased advice to ensure you are equally and fairly represented against the insurance company’s Loss Adjuster. Just as you wouldn’t appear in court without a solicitor, you should not navigate a complex insurance claim without an expert by your side.
-
- Tailored to You: We recognise that every client requires a different level of support. Whether you prefer to remain actively involved in the management of your claim or wish to delegate the entire process to our team, we adapt entirely to your preferences for a smooth, stress-free experience.
-
- Stress-Free Process: Navigating an insurance claim can be overwhelming. Our experienced team handles the legal and administrative complexities for you, significantly reducing the time and energy required on your part. We absorb the stress of the claim so you can focus entirely on getting your day-to-day life back on track.
-
- Professional Scale, Personal Service: With offices throughout England and Wales, we are positioned to serve clients wherever they are, ensuring swift and effective management of claims.
-
- Commitment to Vulnerable Customers: At Morgan Clark, we are committed to supporting all customers, particularly those in a vulnerable position. We understand that factors like age or illness can make the claims process more challenging. In line with the FCA’s Consumer Duty, we have policies to ensure these clients receive the care and support they need. Our team is trained to identify vulnerable customers and adapt our approach to ensure fair and consistent outcomes for all. We are dedicated to treating every client with dignity and respect, read more here.
Using innovative Artificial Intelligence to enhance our service even further
For years, Morgan Clark has guided clients through complex insurance claims to secure fair outcomes. Through our partnership with Claim Guardians, we’re now bringing AI-powered intelligence into the claims process – helping deliver deeper insight, greater clarity and stronger support when it matters most.
How AI helps our clients
Complex claims often involve hundreds of pages of complicated insurance policy documents, communications and multiple assessments. The Claim Guardians platform uses AI to:
- Identify potential policy issues or gaps before they become obstacles
- Organise evidence and documents to strengthen your case
- Cross-check assessments against policy terms, precedents, and regulatory requirements
- Prepare court-ready documentation on the rare occasion a legal resolution is needed
With decades of technical knowledge and negotiation skill, our teams can now combine their experience with AI-backed evidence, resulting in accelerated response times and fewer delays for the people who depend on us.
The story behind the partnership
Claire Massey founded the Claim Guardians platform after experiencing a devastating house fire in 2023. Despite 20 years in compliance and legal roles, Claire found navigating her insurance claim alone to be incredibly challenging. Determined to make the process fairer for anyone having to make a significant claim, Claire teamed up with entrepreneur Stephen Kavanagh to create a bespoke AI platform to help improve the insurance claim process for everyone.
When Claire approached Morgan Clark, we immediately recognised the AI platform’s potential. Together, we stress-tested the platform against real-world cases, ensuring it provided practical insights that truly strengthen our clients’ outcomes.
Why Morgan Clark
Claire chose Morgan Clark as the Loss Assessors she wanted to partner with as she appreciated our reputation for integrity and dedication to client advocacy. Together, our partnership demonstrates that when claimants have specialist Loss Assessors, supported by cutting-edge AI technology, on their side, they can approach even the most significant claims with confidence.
If you’re facing a complex claim, you now have access to both expert advocacy and cutting-edge intelligence. That’s the Morgan Clark difference.
What our customers are saying about us
Genuine care
Escape Of Water Claim – Cornwall
Dependable support
Escape Of Water Claim – Burnley
Dependable support
End-to-end management
Flood Claim – Essex
End-to-end management
Exceeded expectations
Fire Claim – Warrington
End-to-end management
End-to-end management
Dependable support
Dependable support
Fire Claim – Tiverton
Dependable support
Fire Claim – Surrey
End-to-end management
Dependable support
Fire Claim – Bournemouth
Dependable support
Escape Of Water Claim – Worsley
Dependable support
Fire Claim – St Helens
Dependable support
Dependable support
Fire Claim – Middlesbrough
End-to-end management
End-to-end management
End-to-end management
Weight lifted
Fire Claim – Derbyshire
Genuine care
Genuine care
Dependable support
Fire Claim – Bury
End-to-end management
End-to-end management
End-to-end management
Fire Claim – Portsmouth
Genuine care
Dependable support
End-to-end management
Fire Claim – Liverpool
Dependable support
Dependable support
End-to-end management
Dependable support
Dependable support
End-to-end management
Dependable support
End-to-end management
Weight lifted
End-to-end management
Fire Claim – Droitwich
Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)
Find out what this protection means for you here.
