Third party insurance claim advice for business owners

If you have suffered losses or sustained damage through the negligence of a third party – perhaps a neighbouring business or a professional such as a surveyor, contractor or architect, you can make a third party insurance claim.

Third party insurance claims in particular, can be complicated and time consuming to manage. Regularly, issues arise such as the third party refusing to accept liability, or there could be an issue with their insurance cover. Unlike a regular insurance claim, the law dictates that it is the claimant’s responsibility to prove that the third party is liable.

Should you choose to appoint Morgan Clark to represent you, your Loss Assessor will keep you in control and ensure your claim is run as smoothly as possible.

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 help you get your business back up and running as quickly as possible, working to secure the best settlement under the terms of your policy

Popular Questions

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.

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.

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.

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.

What our customers are saying about us

Genuine care
Business Interruption Claim – Leaps and Bounds, Truro

“Kind, calm and experienced. I had faith in his ability to sort out this mess”

Betty Heather

Dependable support
Fire Claim – Cheshire

“Morgan Clark were absolutely fantastic. Professional, responsive, exceeds expectations, handles all calls, concerns, issues. Rebuild of house exceeds original spec. You have no w…”

Eddie Watkins

Genuine care

“The level of service and customer care received from the dedicated team at Morgan Clark was second to none. Martin and Pino pulled out all the stops to make sure that the settlemen…”

J Roberts

Genuine care

“The service we received from Morgan Clarke was something else. Initially the whole thing just looked a nightmare but Pino and Morgan Clark came to us and gave us the reassurance we…”

Bilal Yusuf

End-to-end management

“Morgan Clark were absolutely brilliant from start to finish with our insurance claim. With going through a difficult personal matter, and to then have a house fire on top that requ…”

Sally Harris

End-to-end management
Fire Claim – Sheffield

“Martin was great throughout the process. We didnt really know where to start and Martin just took all the stress out of the process. He explained things well. His experience having…”

F. Parkinson

Dependable support
Escape Of Water Claim – Surrey

“I have been absolutely delighted by what Morgan Clark achieved. Until I contracted with Morgan Clark my claim had been bogged down with nothing happening for months. Morgan Clark r…”

Roger Vince

End-to-end management

“Professional and caring team, kept me fully informed throughout the process and delivered what they said”

Mrs Green / Pauline Perry

Dependable support

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

Mr & Mrs Howard

Exceeded expectations

“First Class service!!!! Absolutely fantastic service from day 1. Nathan at the beginning helped advise me due to a house fire at the very beginning and his service was excellent. T…”

Trustpilot Review

Dependable support

“Having Morgan Clarke represent us changed our lives during a very difficult time. Our loss assessor Martin Chapman and the team behind him worked tirelessly to make sure our claim …”

Shirley Hartnell

Dependable support
Fire Claim – Redruth

“Very professional, no pressure… explained everything that Morgan Clarke would be able to assist with.”

Steven Roberts

Genuine care
Fire Claim – Bristol

“He was sympathetic and excellent… we are so grateful that he came to see us. We felt we had someone on our side. Very confident with the whole service. Settlement exceeded my…”

Paul Uttley

Weight lifted

“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

Dependable support
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

Genuine care
Fire Claim – Rochdale

“In the first instance I was suspicious as I had never been in such a situation before but Pino was very reassuring and never pushy. I don’t know what I would have done withou…”

K. Pickles

Dependable support

“Well done as I expected.”

Mr Sun

Dependable support

“Great service with the whole claim.
Kept well informed informed and always had quick replies from questions.
Very impressed”

Wayne

Dependable support

“They were fantastic from the start. This was our first claim ever and although we’d been advised by friends to use a private loss adjuster we hadn’t been interested as …”

Antonia Macintyre

Dependable support

“All admin and associated works were taken care of, in a professional way. Also I was kept up to date on a regular basis. Brilliant service”

Dave Berry

Weight lifted

“From first contact to the last contact with Martin & Sarah at Morgan Clarke it was professional yet friendly, they could not do enough. Every time they would keep me informed …”

Mr Kevin Skelley

Dependable support

“I contacted them via their website and they still gave me a callback despite my claim size being under their threshold, and gave me contacts and advice on how to proceed.”

Bosh

End-to-end management
Fire Claim – Walton

“Robert was very informative and alleviated any concerns we had… Robert reassured us and said we could call him at anytime, which we did, with many questions and he was accomm…”

R. Carroll

Dependable support
Flood Claim – Nottingham

“Martin was very professional, friendly and reassuring. Easily contactable. Answered all our questions fully. We recommend this team. They were all excellent and we are very satisfi…”

Mr & Mrs Conway

Dependable support
Fire Claim – Burnley

“The standard of the service was very good. I thought it took a long time to start the actual work but I realise my insurance company are slow at making decisions and there was the…”

Veronica Pearce

End-to-end management
Lightning Claim – Bury

“Our high level of satisfaction with Morgan Clarke comprised of many fundamental components including communication, teamwork and collaboration skills, problem-solving, accuracy and…”

Dr Baqar & Mrs Andrea Ali

Genuine care
Fire Claim – Brinscall, Lancastershire

“Pino from the outset was amazing. He was reassuring and his approach enabled me to see the exit point from what was a very difficult time for me and my family. The (settlement) amo…”

John Simpson

Dependable support
Impact Claim – Dorset

“Given the circumstances we could not ask for any more. Very helpful over a long period of very frustrating dealings with the Insurance Company and their Adjuster.”

P. Hillier

End-to-end management
Flood Claim – Essex

“Matt was worth his weight in gold. He liaised and negotiated with the insurance company on our behalf and secured the best outcome for us. The overall service we received from Mor…”

J. Singh

Dependable support
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

Dependable support

“The best decision ever! We weren’t making any progress with insurer until we called Morgan Clark. Martin was so professional and at the end, we managed to get a bigger settlement…”

A Pg

End-to-end management

“We had the misfortune of having a serious fire in our house last year, your first reaction is to think how am I going to deal with this, am I adequately insured, It will take forev…”

Neil Kelly

Dependable support

“We experienced a house fire in 2022. The first couple of weeks after the fire were just awful. The loss adjuster our insurance company used to handle our claim were possibly the wo…”

Mrs Addis

End-to-end management
Fire Claim – Cambridgeshire

“As you can imagine, after our house fire we were very scared and apprehensive about the whole insurance claim and subsequent works. We had never experienced anything like this in t…”

Tony Cornwell

Dependable support

“Excellent service and more money received than expected”

Jo Brayley

Dependable support

“They were very helpful through the process .,, you can leave everything to them .,, they will guide you through”

Mr Maddi

Dependable support
Fire Claim – Leyland

“I was glad that we appointed Morgan Clarke as we had the support of a credible business behind us and fighting our cause at a stressful time. The companies you liaised with have al…”

Michael Calvert

Dependable support
Fire Claim – Blackburn

“There is nothing I would ask you to change… the staff at Morgan Clark especially Pino have been extremely professional.”

Bilal Yusuf

End-to-end management

“Excellent service and and up to date information with the progress from start to finish. Special thanks to Martin Chapman, Sara Lohan .. Paul Read and Nathan Robertson for their …”

Eddie Masterson

Dependable support

“Very efficient and professional service. Much thanks to Dan Riley for his help and support.”

John Wilshaw

Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)

Find out what this protection means for you 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.