Thompson-Roberts Claims Consulting offer a personalised loss adjusting and claims consultancy service to the UK policyholders and their insurance brokers in relation to any business interruption (BI) losses attributable to the coronavirus pandemic (Covid-19). Our team of experts is comprised of chartered loss adjusters, senior claims handlers and qualified forensic accountants who demonstrate a wealth of proven claims presentation expertise.
Having formed national strategic alliances with approved chartered loss adjusters, forensic accountants and specialist insurance solicitors, we handle cost-effective Business Interruption and related assignments in all regions of the UK, as required by the client. Thompson-Roberts Claims Consulting is an Appointed Representative of Hilton Thompson Ltd and is approved and regulated by the Financial Conduct Authority, registration no. 310265.
Our trusted team of chartered loss adjusters have been trained to handle complex BI claims in the UK and abroad following natural and financial disasters over many years. These events have arisen in the Caribbean, Thailand, Australia, New Zealand, the USA and mainland Europe, as well as the UK. This expertise makes us your perfect ally to assist with your insurance claims presentation and negotiation with your insurer’s appointed experts.
We operate on a charge-based service policy. A reasonable fee will be negotiated for each individual assignment before you engage our services. The small cost of extracting information from your accountant may, on occasion, be covered by your policy.
The responsibility of the insurer’s appointed Loss Adjuster is to investigate insurance claims on their behalf. The insurer’s Loss Adjuster will typically contact you within a few days of receiving instructions from your insurance company.
They will wish to obtain all necessary information to enable the insurer to determine the validity of the claim and ensure the amount paid to you is no more than necessary to discharge their contractual responsibility. In larger or complex BI claims, the loss adjuster may be instructed to engage the services of an in-house or external forensic accountant to assist in the measurement of the claim.
Operating across the UK, Thompson-Roberts offer bespoke loss adjusting and claims consultancy services to the policyholders and their brokers in relation to any business interruption (BI) caused by the coronavirus pandemic (Covid-19).
Policies extended to incorporate prevention or denial of access following the instructions of a competent authority, such as UK Government or local authority may operate to cover loss of revenue or loss of gross profit in consequence of such order or orders. This cover may extend to include increased costs of working to minimise disruption and loss.
Certain annual or specific construction policies may have been extended to include the financial losses stemming from an enforced lockdown by Government order which delays completion of works. Such policy extensions may include additional expenditure to accelerate works to avoid or reduce delay.
Specialist policy wording in the hospitality and travel sectors may cover financial losses following lockdowns imposed by international governments or other competent authorities attributable to the outbreak of a notifiable disease. Loss of profits and increased costs of working may fall for consideration.
Many package insurance policies arranged for hospitality, professional and amateur sports clubs, nurseries, nursing and care homes, manufacturing, retail and wholesale risks may be extended to incorporate business interruption losses following the outbreak of a notifiable or infectious disease (as defined in the policy).
Many UK businesses who were pursuing business interruption claims against their insurer prior to the Covid-19 outbreak (related to fire, flood, explosion, accidents, etc.) might find that the claim settlements are impacted by the effects of Covid-19. Claim presentations may need to be revised with professional assistance to ensure a fair outcome.
Professional and amateur sports clubs and venues, such as football, rugby, cricket and hockey, etc.
Gyms, leisure, health and fitness clubs
Nursing and care homes
Travel, cruise and tour companies, as well as travel agents
Dentists and ophthalmologists
Hotels, wedding venues, restaurants, night clubs, casinos, pubs and other hospitality settings
Retail and wholesale outlets
Manufacturing & logistics companies