If you run a successful small business having good insurance cover is crucial, and you would assume this would cover you sufficiently following a fire, flood or burglary. This isn’t always the case and when you require your business to return to normal as quickly as possible this will need to be addressed.
We all know that insurance companies will try and wriggle out of paying the premium when it comes to insurance claims – and when you are expected to deal with nuances of the claim yourself it can be nigh on impossible to get the kind of money you need to take your company forward following the disaster. In addition to this the insurance company will have appointed a loss adjuster to the case to investigate your liability and the extent of the cover as it relates to the claim.
If this all seems a little unfair then I would suggest you may be right. However a small business can use a secret weapon to combat the insurance company – know in the industry as an insurance loss assessor. An insurance loss assessor will be working for, and representing, you and your company. Working solely with you and your business in mind the insurance loss assessor (who will probably work on a no win no fee basis) will carry out the same research as the loss adjuster, will complete all the relevant paperwork for the claim and negotiate on your behalf. Because they are working for you (and on a no win no fee basis) you can rest assured that they will get the best possible financial payment for your business.
The insurance loss assessor will provide a true statement of what you have lost in the disaster and negotiate the settlement with the insurance company – getting you and your business what you are rightfully owed. Insurance loss assessors tend to specialise in fire insurance claims, flood insurance claims, theft insurance claims and business interruption claims. They do have access to a multitude of other professional in specialist areas so can accommodate virtually any claim you need them to.
When you have poured your life in to creating a successful business you don’t want to disappear into the dust following a disaster.