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Impact damage insurance claim advice for business owners

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

Business Interruption Specialist

David Kelly

With over 40 years' experience in the industry, David has qualified as Associate of the Chartered Insurance Institute and a Chartered Insurance Practitioner. David has dealt with many multi-million pound commercial claims across the UK and specialises in Business Interruption.

"Business Interruption is the most complex aspect in any commercial claim. Without the correct calculations, there is a serious risk to the long-term future of a business. I would suggest it is crucial for a business owner to seek professional advice from a Loss Assessor to help calculate the claim."

Business Interruption

What is Business Interruption, what does it cover and how does it impact your claim?

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Popular Questions

How much will this cost?-

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.

Doesn’t my insurance company manage my claim?+

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?+

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.

What will my insurance company think if I appoint a Loss Assessor?+

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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Customer reviews

Despite all the assurances from both my broker and insurer that they had made me the best possible offer, you were still able to secure a settlement that was more than double the figures they had originally proposed. I had no idea bringing you on board would make such a big difference to the settlement.

I won’t hesitate to call you. Thanks again for the great service.

Lord Alan Sugar

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