Post Loss Analysis & Business Recovery / Business Interruption following Property Damage


  • Assessment of consequentual losses / business interruption as a result of property damage caused by fire, machinery breakdown or losses caused by natural calamities in all commercial / industrial property
  • Physical tests of main fire protection or other relevant safety & security systems to ensure proper continued functionality
  • On-site service is provided around the globe  (exception war zones or government travel prohibition)
  • Desktop assessments if requested and suitable based on provided information
  • Management will be notified adequately about identified loss potentials not included in the scope


  • a concise and comprehensive  Loss Analysis Report comprising:

    • description of risk details of loss (history, extent, witnesses, etc)
    • cause of loss
    • Loss figure estimation (monetary figure and downtime duration /  
      business interruption)
    • appraisal of existing fire protection systems or other protection systems
    • and how effective they were in reducing the loss

  • a Risk Improvement Report indicating what should be initiated to mitigate the loss, to prevent recurrence, highlighting alternatives and other solutions
  • in case of an immediate response site visit, loss figures will be prepared to allow reserve setting (Property Damage / Business Interruption)

Benefits for Underwriting:

  •  understanding the quality of risk after a loss 
  •  acceptance or rejection of  risk (renewal)
  •  pricing adjustment
  •  tailoring reinsurance terms and conditions
  •  portfolio protection and enhancement
  •  cost savings due to outsourcing of risk engineering activities

Benefits for Marketing / Sales:

  •  enables active discussions with the Insured
  •  risk improvement advice to support long-term commitment

Benefits for Claims:

  •  unbiased information allows faster claims handling and decision making
  •  2nd technical opinion besides the one of the  loss adjuster
  •  speeds up the reserve setting process
  •  supports legal actions – if required

Benefits for the Insured:

  •  guidance on how to prevent recurrence
  •  proof of long-term commitment
  •  ongoing support

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