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Working with Insurance Brokers

Morgan Clark - Associate BIBA membersMorgan Clark are the only Loss Assessor firm to have associate membership with The British Insurance Brokers’ Association (BIBA).

We have worked with many of the industry’s most highly respected insurance brokers, alongside the major UK insurance companies and, as a result, we are highly respected in the industry.

Our aim is to work side by side with insurance brokers, providing them with additional support and expertise to help their clients navigate complicated insurance claims. Our team of experts will provide a bespoke claims service to fit each broker’s exact requirements.

We take the lead from the broker as to where they need our assistance and become an addition to their service, enhancing their offering to clients. We give the broker the opportunity to offer their clients a 360 degree approach, with both the knowledge to place insurance and a professional to manage and negotiate their client’s claims. We work with the broker to reach the same goal of ensuring their client receives the very best settlement under the terms of their insurance policy.

Should you choose to appoint Morgan Clark, we will:

  • Establish liability with the insurance company as quickly as possible.
  • Determine values at risk and sums insured.
  • Deal with all aspects of underinsurance and betterment.
  • Attend meetings with Insurers, Loss Adjusters and Forensic Accountants to ensure all aspects of the claim are dealt with efficiently and the maximum settlement is achieved.
  • Prepare and negotiate claims for emergency interim funds, making sure major difficulties do not arise due to cash flow problems – such as paying staff and suppliers for commercial clients.
  • Advise you of the options available regarding temporary commercial premises relocation or alternative residential accommodation.
  • Process valuations and all contract documentation. In the event that any variations arise, we will negotiate with the Loss Adjuster to ensure recovery in full under the policy.
  • Oversee the reconstruction of the building, ensuring that alterations and improvements are at minimum or no cost to the client.
  • Prepare and negotiate settlement of all relevant claims – Buildings, Contents, Alternative Premises/accommodation, Business Interruption (loss of profits and increased costs of working), Fixtures, Fittings & Machinery. All aspects of the policy cover will be fully utilised and all settlement options will be thoroughly explored.

To find out more about how Morgan Clark works with Insurance Brokers click here to read an interview with Founder, Phil Morgan for Insurance Business magazine.

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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.

Video testimonials

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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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