Types of Engagements

Business Interruption & General Loss Adjusters (BIGLA) provides insurance claims loss adjusting, risk surveying, risk management and management consulting services. We provide for a broad scope of work in each service line.

Insurance Claims Loss Adjusting Commercial | Industrial | Public |  Motor | Personal Lines

We are extremely proficient in Business Interruption Claims arising through Damage. While having a firm hand on business interruption claims, we also have extensive expertise on property and engineering losses, which in our experience often give rise to the business interruption and loss of profits. We also work on Marine, Stock, Fidelity, Motor, Liability and investigative losses. Essentially, we cover the following types of losses:-

  • Business Interruption
  • Fire & Allied Perils
  • Property & Machinery Breakdown
  • Assets All Risks
  • Erection All Risks
  • Contractors All Risks
  • Fidelity Guarantee
  • Fraud
  • Engineering
  • Marine
  • Financial Lines
  • Deterioration of Stock
  • Burglary, Robbery & Theft
  • Electronic Equipment
  • Agriculture & Horticulture
  • Jewellery & Precious Minerals
  • Mining
  • Public Utilities

Risk Surveying & Management Commercial | Industrial | Public |  Motor | Personal Lines

We help insurers and clients to understand their risk environment. We single out all the areas of risk exposure, assess the level of risk in each area and the threats that pose those risks. We quantify the potential impact of those risk and the maximum probable losses. We look for ways to reduce the risks and how to manage them so as to reduce the probability of loss. We also advise on loss mitigation measures.

  • We bring you closer to your risks and improve your understanding of your risk environment
  • We recommend contemporary risk management solutions and techniques to your customer which help you to minimize claims and losses
  • We create frameworks for the protection of the policyholder’s workforce, premises, facilities, equipment, stock, general contents, processes, operations and property from undesired consequences
  • We establish the possibility and extend of under-insurance and help policyholders to arrange adequate cover
  • We check and peruse financial records to establish the adequacy or need for business interruption (BI/LOP) cover
  • We shall determine the risk MPL/EML to assist underwriters and set the correct retention limit
  • We shall check compliance issues
  • We shall analyze the policyholder’s business processes against best practices
  • We perform property and asset valuations for insurance and accounting purposes
  • We perform market value, depreciated asset value, replacement value and net realizable value valuations and valuation appraisals