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.

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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 …

Trusted Customer – November 24, 2021

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Excellent would recommend to anyone

After a serious flood Morgan Clark were recommended, we met Dan Norris who was the most wonderful , kind and helpful …

Mrs Donovan – February 10, 2022

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Outstanding service

Expert advice which ensured our claim was settled legitimately and comprehensively

Trusted Customer – February 10, 2022

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Very professional frist time I’ve clamed and did all the work for us

Mr & Mrs Howard – February 10, 2022

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Exceptional service from start to finish

From start to completion Morgan Clark have been exceptional. They took away the stresses of dealing with insurers and with …

Trusted Customer – May 17, 2022

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So helpful keeping good contacts when you needed

Very helpful kept us in touch all times easy to speak to Martin Chapman top man

Trusted Customer – August 9, 2022

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Absolutely fab company

What an absolutely fabulous company, they took all the stress and hard work from us and sorted everything, what started …

Joanne McVicar – August 18, 2022

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Extremely professional and considerate

From the very onset of their involvement , Sunny and then Ryan Field took on our case and their handling of …

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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 …

Ms Wilson

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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 …

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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 …

Ms Brandon

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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 …

Mr Seedat

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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 …

Mr & Mrs Biggs

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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 …

Mr Asif

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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 …

Mr Rabinowitz

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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 …

Mr Boylan

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Reassuring advice throughout …

“All parties involved at the site meetings were so helpful and absolutely professional in organising the repair of our house …

Mr & Mrs Mc Ginness

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Reassuring advice throughout …

“Due to the poor experience with the loss adjuster we never thought that we would have our house returned to …

Mr Nazir

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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, …

Mr & Mrs Badder

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An outstanding service…

“This is the second time we have used your service. What you offer is an outstanding service at a time …

Mr Lund

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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 …

Mrs Hampshire

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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 …

Dr Baqar & Mrs Ali

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.