Loss Guard FAQs

Loss Guard is a free membership scheme for brokers. It gives your policyholders access to Morgan Clark’s experienced team of Loss Assessors for specialist claims management support.

Loss Guard offers policyholders free 24/7 claims advice from Loss Assessors who work solely for your client. Their role is to represent the policyholder’s interests during negotiations to secure a fair outcome. By handling complex paperwork and insurer negotiations, Loss Guard accelerates the process while minimising stress and time involvement.

Managing claims consumes significant time, resources, and costs for brokers. With Loss Guard, you outsource policyholder claims to our team, freeing you to focus on core business and client relationships. Our portal provides real-time access to claim updates, ensuring you’re fully informed for renewals.

For claims valued in excess of £15,000, we will dispatch a Loss Assessor within one business day (often same day), with follow-up visits to liaise with insurers, loss adjusters, and contractors as needed.

Loss Guard provides complimentary access to Loss Assessors for all members. Smaller claims receive professional phone/email advice and when claims are over £15,000 Morgan Clark will manage the entire process, including on-site visits.

Brokers earn commission on successful referrals to Morgan Clark, paid upon claim settlement. The commission structure is transparent and agreed upon beforehand, creating a valuable and predictable additional revenue stream.

For small claims, you or the policyholder manage the process with our advice. Morgan Clark fully manages larger or complex claims.

No, appointing Loss Guard or Loss Assessors has no adverse impact. Brokers routinely use in-house teams for routine claims, and recommending independent experts for complex cases is standard practice that supports FCA principles of treating customers fairly. Morgan Clark’s non-confrontational approach creates a professional environment in which parties exchange efficient and professional communication to get to the best outcome.

Loss Guard is a free membership activated only on claims; Lorega is a paid add-on policy (Loss Recovery Insurance) that incurs an upfront cost, irrespective of whether the policyholder makes a claim.

Yes, we manage both domestic and commercial claims.

Morgan Clark employs business interruption specialists to support on these claims. Loss Guard membership ensures your clients have access to professional representation to assist in the calculation and negotiation of these complex claims. Find out more here: Business interruption insurance explained – Morgan Clark

Loss Guard is best suited for larger, or more complicated claims. Our expertise delivers the greatest value through these protracted, complex cases.

We focus exclusively on business interruption and property damage under buildings insurance, excluding liability or subsidence claims.

Yes, our portal offers continuous updates, allowing instant oversight without needing every email.

Fees apply only if the policyholder opts for a cash settlement over reinstatement; this is clearly outlined from the first visit. Any fee options are explained clearly, in full, to the policyholder from day one.

No formal contract is required. Brokers sign a simple one-page agreement with flexible cancellation terms. It’s easy to get started with Loss Guard, with no long-term commitment.

We provide a variety of resources to help brokers promote Loss Guard to their clients, including certificates for policyholder distribution with key contacts, co-branded materials, and support for your website and social media channels upon request.

Morgan Clark has a trusted network of contractors ready to be dispatched to make properties safe and mitigate further damage. One of our Loss Assessors will quickly evaluate the damage and introduce emergency response contractors where necessary.

As FCA authorised and regulated Loss Assessors, Morgan Clark’s fees are discussed and agreed upon in writing before we are instructed, ensuring full transparency. Where a policyholder chooses to reinstate their property and appoints one of the contractors Morgan Clark introduces, Morgan Clark will not typically charge a fee. Once a contractor passes our intense vetting process, they pay a fee to be part of Morgan Clark’s contractor network. In cases where a policyholder opts for a cash settlement or to use their own contractors, our fee is calculated as a small percentage of the total claim value. Our Loss Assessors always aim to achieve an uplift in a client’s settlement to offset the cost of our fee. For more information visit: Loss Assessor fees – How much do loss assessors charge?

Loss Guard is a free membership scheme for letting agents. It provides your landlords with access to Morgan Clark’s experienced team of Loss Assessors for claims management support on tenanted property buildings claims, available 24/7.

No, Loss Guard is not an insurance policy.

Loss Guard is not an insurance policy. We work with your landlords by managing claims using their existing buildings insurance policy (including any loss of rent cover) and liaising directly with their insurer.

The Loss Guard service is provided by Morgan Clark, a highly experienced team of Loss Assessors with over 25 years in the industry. We’ve been recognised as the Nationwide Loss Assessor of the Year for three years running and consistently receive outstanding feedback from clients. With a 5-star rating on Feefo and a 4.9-star rating on Trustpilot, our team is known for delivering expert advice and exceptional service. Our Loss Assessors are experts in managing complex property claims and are dedicated to helping landlords secure the best possible outcome. Morgan Clark’s success is built on our deep knowledge of the claims process, a track record of achieving excellent results, and our commitment to always putting the policyholder’s interests first.

No, there is no cost to letting agents for using Loss Guard.

Yes, letting agents earn commission on successful referrals to Morgan Clark, paid upon claim settlement by Shepherd Compello Ltd. This creates a valuable additional revenue stream for your business.

No, Loss Guard works exclusively for your landlords. As independent Loss Assessors, our absolute priority is representing the policyholder fairly.

Losses below the deposit value should be handled via any deposit protection scheme or submitted as an insurance claim by the letting agent or policyholder.

The Loss Guard contact number is: 0808 271 5185

Yes, claims can be emailed to [email protected]. For anything requiring immediate reponse, we recomment contacting us by phone on: 0808 271 5185

Yes, our phone line is monitored 24/7. Out-of-hours support is limited to phone advice but available for urgent needs.

Loss Guard offers landlords professional claims management for the fairest possible settlement, reducing stress and time on complex processes. Tenants benefit indirectly through faster resolutions and reduced disruption to their lives.

Loss Guard covers insured property damage and loss of rent. We offer telephone support on smaller claims, provided they fall within property insurance guidelines.

For landlord claims valued over £15,000, Morgan Clark fully manages the entire process with our experienced Loss Assessors, including site visits, insurer negotiations, and settlement. Claims between the typical deposit value (£1,000–£2,500) and £15,000 receive dedicated phone/email support and advice to maximise outcomes without full management fees.

The policyholder responsible for the building’s insurance must appoint Morgan Clark and serve as the key contact.

As FCA authorised and regulated Loss Assessors, Morgan Clark’s fees are discussed and agreed upon in writing before we are instructed, ensuring full transparency. Where a policyholder chooses to reinstate their property and appoints one of the contractors Morgan Clark introduces, Morgan Clark will not typically charge a fee. Once a contractor passes our intense vetting process, they pay a fee to be part of Morgan Clark’s contractor network. In cases where a policyholder opts for a cash settlement or to use their own contractors, our fee is calculated as a small percentage of the total claim value. Our Loss Assessors always aim to achieve an uplift in a client’s settlement to offset the cost of our fee. For more information visit: Loss Assessor fees – How much do loss assessors charge?

Morgan Clark has a trusted network of contractors ready to be dispatched to make properties safe and mitigate further damage. One of our Loss Assessors will quickly evaluate the damage and introduce emergency response contractors where necessary.

Call us directly or have the affected landlord call the 24/7 helpline: [0808 271 5185]. For non-urgent cases please email [email protected]

Alternative accommodation is typically the tenant’s responsibility. We support landlords with applicable loss of rent cover. If tenants need to find alternative accommodation, we can provide guidance on how this can be handled under their insurance cover.