Loss Assessor fees for business owners explained
As the owner of the business, who you choose to run your insurance claim will have a huge impact on the settlement you receive and how quickly your business is back up and running. Commercial claims can involve a number of different aspects, such as Buildings, Business Interruption, Plant & Machinery, Stock, Fixtures, Fittings, Contents. Therefore, our fee proposal will be tailored to your individual claims’ requirements. Typically, we charge a small percentage of the claim value, but we would always expect to more than offset our fees by maximising the amount we are able to secure for our clients when settling their claims. If a commercial insurance claim includes a substantial buildings element, and you utilise the expert contractors we introduce, Morgan Clark’s loss assessing services could be free of charge. In order to give you a detailed explanation of fees applicable to your claim type, please call to speak to one of our commercial experts with no obligation. We offer a free half an hour consultation, during which you are welcome to ask our experts any questions relating to your insurance claim.
Popular Questions
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There is no reason why your insurance company or Loss Adjuster should discourage you from appointing your own Loss Assessor. If your Loss Adjuster is trying to dissuade you from using our services, you should question why they are against the idea of you being equally represented. After all, a Loss Assessor can only help a policyholder claim for what is legally within their insurance contract. Click here to read more about Loss Adjusters.
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While many insurance companies will support you in the initial weeks of your claim, their only responsibility is to ensure costs are covered to restore your property and replace damaged contents, stock, machinery etc. (if applicable). As your claim progresses, you will be left with the most stressful and time consuming day-to-day elements to organise and oversee alone if you do not appoint a Loss Assessor.
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Loss Assessors and Loss Adjusters are both insurance claim professionals, but there is one key difference in their role during the insurance claim process; a Loss Assessor is appointed by and works exclusively for the policyholder, while a Loss Adjuster is appointed and paid by the insurance company. Loss Adjusters are expected to remain independent. Read more about the difference between Loss Assessors and Loss Adjusters here.
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In the majority of cases we are able to represent our clients without charging a fee at all. Read how we are able to offer our services free of charge by clicking here.
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Professional Memberships & Accreditations
Being part of professional bodies means you can rest assured that Morgan Clark deeply values producing work to the highest standard. Click or tap any of the logos to learn more about that accreditation.
CILA
As an internationally respected membership organisation, The Chartered Institute of Loss Adjusters (CILA) sets the professional and ethical standards for companies handling claims. They do so through its qualification framework and guide to professional conduct.
IPLA
The Institute of Public Loss Assessors was founded in 1966 and is the professional body representing Loss Assessors in the UK. Morgan Clark have been members since 2019. All IPLA members must be authorised and regulated by the Financial Conduct Authority and have appropriate Professional Indemnity Insurance.
Cyber Essentials Certified
We hold Cyber Essentials certification — the UK Government-backed standard, overseen by the National Cyber Security Centre — giving you confidence your data is protected against common cyber threats.
Trained to Support Vulnerable Customers
Our team is trained by specialist compliance provider Create Solutions to identify and support customers who need extra care — going beyond tick-box training to build real understanding and confidence.
Chartered Insurance Institute (CII)
The Chartered Insurance Institute is a professional body dedicated to building public trust in the insurance and financial planning profession. The CII’s purpose, as set out in its 1912 royal charter, is to ‘Secure and justify the confidence of the public’ in its members and the insurance sector as a whole. It aims to do this by setting standards of integrity, technical competence, and business capability.
Financial Conduct Authority
Morgan Clark were the first firm of Loss Assessors to be authorised by the Financial Conduct Authority, meeting the criteria when the regulation scheme was launched in 2005. The Financial Conduct Authority sets the regulation conduct standards for nearly 60,000 financial services firms and financial markets in the UK. They are also the prudential supervisor for 49,000 firms, setting specific standards for 19,000 firms.
What our customers are saying about us
Flood Claim – Ipswich
“Generally very good. Contact was good and my calls, if unable to be taken immediately, were always promptly returned or an emailed reply was sent. I felt very respected by every…”
S. Andres
Fire Claim – Waltham on the Wolds / Leicestershire
“We are very pleased we used Morgan Clark, at no point were they pushy, unlike some of there competitors !”
Christopher Boulter
“We cannot recommend Morgan Clark highly enough, the service they provide in often devastating circumstances is absolutely first class. When we encountered resistance from our insur…”
Paul Burns
“From the very onset of their involvement , Sunny and then Ryan Field took on our case and their handling of our case was exceptional , Ryan liaised with the relevant parties even t…”
Paul Aston
Fire Claim – Hampshire
“We are honestly happy to recommend Morgan Clarke to work on your behalf, if they perform for you as they did for us then you should not be disappointed.”
Richard and Dee Thorne
“Despite all the problems with the insurers, Morgan Clark continued to chase and ensured that all areas were covered to our benefit. Although I became very stressed at times, Morgan…”
Monika Payne
Fire Claim – Macclesfield
“Overall the service from all those we dealt with in restoring this fire ridden property were highly professional and, at times, imaginative in how they sought to bring this propert…”
Pat and Frank Wharton
“After our home was flooded over a year ago, our insurer and their loss adjuster seemed motivated by their own best interests, not ours. When Morgan Clark’s Taunton team agree…”
Kevin Vickers
Fire Claim – Birmingham
“We reiceved an amazing service from Paul and the entire team who ensured we were always reassured and kept happy”
A. Khan
“After having the devastation of water ruining my kitchen and parts of my living room I was given Morgan Clarke’s number. As always with anything to with insurance or claiming…”
Chris McGowan
Fire Claim – Surbiton
“I have felt very supported from the beginning of my claim by everyone while the hard work was done for me. Really grateful and zero concerns. Really quick at replying to any emails…”
Catherine King
“I can’t recommend Morgan Clark enough . I was in total despair when my insurance company initially declined our genuine claim literally weeks after moving into our new home . Th…”
Wendy Stubbings
“Highly recommend – a must have on a major house insurance case They took the administrative burden off us as much as possible during a very stressful period after flooding of…”
Lisa Hunt
“Through all the difficult times, the ups and the downs, Mr Marc Ross’s (loss advisor at Morgan Clark) experience, level headedness and professionalism has been immense and ha…”
Mohamed Khalifa
Fire Claim – Preston
“We received a very high standard of service from all the people we dealt with, they all worked together well as a team and the project ran smoothly once the insurance company gave …”
L.U.V Property Ltd
“Well done as I expected.”
Mr Sun
“The service has been fantastic. Dan in particular has been very supportive and informative, offered me his best advise and how to proceed with the issues I’m having. Communicati…”
Mrs Hussain
“I am a landlord who lives overseas and one day my property manager informed me that my house had been completely destroyed in a fire. I could not imagine how difficult it would hav…”
Andrew Dougill
Fire Claim – Cambridge
““My team” as I have grown to call them, have supported us through some challenging times, all with 100% professionalism, and with total support when I was finding all t…”
Jane Hampshire
Fire Claim – Middlesbrough
“Impeccable standard of service by MC. The settlement, without doubt, would not have been achievable without MC. Very straightforward to deal with and available to answer question r…”
John Hines
Fire Claim – Gwynedd
“We were extremely satisfied with the service we received and would highly recommend Morgan Clark to deliver a high level of customer care in what can be a fraught and difficult tim…”
Mr A. A Kujore/Ms G M Roberts
“In August 2023 we suffered the loss of our bungalow to fire, needless to say one of the most traumatic events of our lfe. Within 24 hour we were contacted by representatives from L…”
Mr Keith Young
“Great communication. Very prompt. Easy to contact the right person when required.”
Crighton Mather
Flood Claim – Stowmarket
“Really helpful, felt he was on our side! Email, text and phone, always there! Settlement exceeded my expectation.”
Sarah Leggett
“Well done Morgan Clark and Matt Ralingson Matt Rawlinson was more than helpful in the middle of the claim I was diagnosed with Prostate Cancer and had to go through a regime of Rad…”
Mr McCaffrey
Fire Claim – Henley
“Everything has been very efficient. Settlement exceeded my expectations”
Anna James
Fire Claim – West Yorkshire
“I was impressed by the standard of service Ive received from Morgan Clark and would happily recommend them to anyone finding themselves in similar circumstances to mine. Settleme…”
L. Clements
“we had never been in a situation like this before and were completely out of our depth . morgan,clark,s representative martin chapman put us at ease and explained everything to us …”
Mick Bielby
Fire Claim – West Bromwich
“Very pleased with Paul’s help, knowledge and professionalism in dealing with our claim. I would have been lost without his help, Paul explained and guided me through all the…”
Ishvar Patel
“Qute simply I don’t think that the end result of a beautifully restored house would have been achieved without Morgan Clark’s Marc Ross handling our claim with the insu…”
Mr Stainer
Fire Claim – Chorley
“From the Initial visit to completion date I have been able to contact all of the parties involved, they have all been very helpful, friendly and efficient and was so pleased that I…”
Fidelis
Fire Claim – Milford Haven
“Very happy with the overall claim. Received much more than expected so very happy.”
J. Brayley
“Tbh i was sceptical at first using one of these companies, but i was too busy with work to deal with it myself so i thought id give it a go. Wow Fantastic company. Helped and kept …”
Kim Kim
“Always informed me about the updates on my case. They were happy to answer any of my questions in no time. Pino and Sarah want above and beyond to help my duties that difficult ti…”
Joanna Fiejtek
“Extremely responsive and tactful with queries. Efficient management of a complex repair project involving multiple parties”
Coastal Estate Management Ltd
Fire Claim – London
“It was the best thing I did to assign Morgan Clark to help me with my claim . They have a lot of experience in this field , I’ve never had to make a claim for fire before so …”
Emine Enver
Fire Claim – Nottinghamshire
“We were shell-shocked after the trauma of losing our home to a devastating fire and didnt really know the way forward, having never experienced anything like this before.”
Alan & Elaine Timms
Fire Claim – Gloucestershire
“Overall we were extremely satisfied with the service we received from your company.”
Barbara Salmon
“We were extremely pleased with the standard of service we received, particularly from our contact, Paul Taylor, who worked very hard on our behalf after our fire last year to liais…”
Debbie Howe
Malicious Damage – Lancashire
“Honestly, I have no negative feedback, only positive. It is so unusual nowadays to deal with such a professional, honest and dedicated group of people. Moreover, it wasnt just on…”
Fiona Glen