Claims Management

The BJS Insurance Group recognises the importance of professional claims management and service for both insured and self-insured losses. That's why we have developed a dedicated claims team who specialise in supporting our clients through what can be a difficult claims process and help clients achieve the best claim outcome possible.

There are three principal factors that will greatly influence claims negotiations:

1/. The conduct of large claims should be the responsibility of senior personnel with authority to negotiate settlements and ensure compliance with policy conditions.

2/.Immediate notification of incidents likely to give rise to a claim is critical.  Failure to report a claim can prejudice your right to claim and late notification is by far the most prevalent basis for denial of liability by Underwriters.  The need to comply with this requirement should be fully explained to all of your personnel.

3/. Whilst not always expressed in the policy, an implied obligation is placed upon an Insured to act with due diligence to avoid or diminish any loss, damage or liability.

Lack of consideration of the interests of Underwriters can therefore be detrimental to your ability to recover under your policy.

If in any doubt as to: