Business Owners Impact, car crash damage

Impact damage insurance claim advice for business owners

Business Owner, friendly, man

A serious impact at your business premises could cause extensive damage to the structure of the building and any stock or machinery in the area. Your ongoing operations may also be affected if the building is deemed unsafe or if critical machinery or stock has been damaged.

Key decisions need to be made to ensure that you do not lose out financially and to safeguard your business. Getting your insurer to accept liability is a priority so they can release funds and start the repairs.

One of Morgan Clark’s specialist commercial Loss Assessors can represent you throughout the insurance claim process to get liability accepted as quickly as possible and ensure all elements of your policy are fully utilized to get your business back up and running without delay.

How we will help you with your insurance claim…

Our aim is to reduce the time our clients have to spend on their insurance claim. As you will have your Loss Assessor’s direct contact details, they will be your single point of contact throughout the claims process and you will no longer have to go through your insurance company’s call centre.

There will be many time-consuming elements to your insurance claim, with Morgan Clark on your side you can rely on your Assessor to…

  • Negotiate interim emergency payments to maintain cash flow
  • Help you find alternative premises to continue to run your business
  • Compile and present your insurance claim to cover buildings, fixtures & fittings, contents and stock
  • Calculate your true Business Interruption claim to protect your business against financial loss

We will get your business back up and running as quickly as possible, ensuring you receive the full settlement you’re entitled to

Business Interruption Explained Video

https://youtu.be/i-0HVKcFDUA

What is business interruption insurance? Why do businesses need business interruption insurance? What is the material damage proviso? David Kelly of Morgan Clark Loss Assessors provides answers to these questions and more!

Popular Questions

What will my insurance company think if I appoint a Loss Assessor? faq plus icon to expand accordian

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.

Doesn’t my insurance company manage my claim? faq plus icon to expand accordian

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.

What’s the difference between a Loss Assessor and a Loss Adjuster? faq plus icon to expand accordian

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.

How much will this cost? faq plus icon to expand accordian

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.

You did it all for us and we can’t thank you enough …

“We have found you extremely easy to deal with and to be honest you made the process very easy for us with taking the workload in that area from us. After such a terrible fire, you…

Ms Hall

Alan was very helpful, friendly and extremely informative …

“Alan was very helpful, friendly and extremely informative. He guided us through the initial process of making a claim after the traumatic experience of having a house fire. All e-…

Ms Wilson

Never have I come across a team of people who exceeded my expectations…

“I have worked as a professional all my life. Never have I come across a team of people who exceeded my expectations. They were courteous, kept in touch at every stage, quick to re…

Mr Rabinowitz

Vital in getting the insurer to accept the liability …

“Morgan Clark understood the policy wording on our landlord insurance policy which has been vital in getting the insurer to accept the liability and the costs that were involved in…

Mr Seedat

You took all the worry away from us …

“We were in a very bad place following the fire when we contacted you after a random internet search. You took all the worry away from us and we were prepared to accept whatever de…

Ms Brandon

We could not have done this without you …

“Exemplary! There was no occasion when we did not feel fully informed about the progress of our claim and the activity at that time being undertaken by all parties concerned. We co…

Mr & Mrs Biggs

Outstanding customer service and experienced staff …

“Extremely high standard of service. Extremely professional, both representatives that dealt with the case, Nathan Robertson and Ryan Field, gave clear and honest advice. Always av…

Mr Asif

We have recommended your company and would do again …

“Paul was very helpful and explained all the options and kept us updated taking a lot of stress and time-consuming communications away from us when we didn’t really know what to …

Mr Boylan

Reassuring advice throughout …

“All parties involved at the site meetings were so helpful and absolutely professional in organising the repair of our house and the claim for damages and contents. Everything was …

Mr & Mrs Mc Ginness

Reassuring advice throughout …

“Due to the poor experience with the loss adjuster we never thought that we would have our house returned to the condition before the incident happened but Martin excelled in his q…

Mr Nazir

We can’t thank you all enough…

“I was constantly kept informed by email, text and phone whenever there was a new development concerning the insurance company, the claim or progress of the building work…They we…

Mr & Mrs Badder

An outstanding service…

“This is the second time we have used your service. What you offer is an outstanding service at a time when clients are faced with major turmoil in their lives and the potential of…

Mr Lund

I know I would not have coped without them…

‘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 the…

Mrs Hampshire

Highly supportive and we cannot recommend them enough…

Our high level of satisfaction with Morgan Clark comprised of many fundamental components including communication, teamwork and collaboration sk…

Dr Baqar & Mrs Ali

Best in the Business

I have worked with Morgan Clark on more than one occasion. I truly believe customer satisfaction and providing all round exceptional service to the customer is their company e…

Trusted Customer – April 2024

Outstanding level of Service

Absolutely great from the beginning Marc was always available to sort out that any problems were progressed smoothly whilst acting as liaison between ourselves and the Buildin…

Trusted Customer – April 2024

A great firm with professional and skillful peoples. Brilliant service

We are both pensioners in our 70’s. Eight years ago we let our family home to supplement our pensions. Unfortunately, there was a fire incident in the kitchen. The occupiers…

Trusted Customer – November 2023

Superb experience with a completely reliable organisation…

We’ve received superb service from my very first contact right through to completion and sign off of the claim and repairs.
They came to our rescue at a time of ut…

Trusted Customer – December 2023

First-class service

Mr Mathew Rawlingson was recommended by a client of his. I contacted him briefly some time ago and found him helpful and approachable. I phoned him on Monday 15th. I was agree…

Trusted Customer – January 2024

Expert! Professional and Supportive

Morgan Clark representative Marc Ross expertise, professionalism, and unwavering support have truly made a significant difference during what could have been a very challengin…

Trusted Customer – February 2024

I can’t recommend Morgan Clark enough

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 …

Trusted Customer – November 24, 2021

fca morgan clark

We are authorised & regulated by the Financial Conduct Authority (FCA)

This means our clients are protected. You can trust the professionals managing your claim as we are regulated to the FCA’s strict standards and codes of conduct.