AREA.CHECK Investigations

We at AREA.CHECK provide a number of services to businesses and individuals, these include

INVESTIGATIONS :-

These include:-

* Civil Claim Investigations

* Accident  / Incident Investigations

* Security breach Investigations

* Neighbourhood Investigations

* Cheating Partner Investigations

* Procedure Improvement Investigations

* Contractor Investigations

We investigate because YOU cannot believe what you are being told and always get the truth.

When was the last time you look at the cost of your company insurance and thought the cost is too high,  or do you prefer not to think about it,  but pay the premium as a necessary evil.

Everthing you do or don't do is scrutinised by the insurers,  it is time you turned the tables and scrutinised them and your brokers,  after all if you pay somebody to provide a service you have every right to ensure they are acting in your best interest.

This premium is potentially your single biggest cost that seems to offer the least return and almost certainly is set to increase,  this often happens eventhough your business may not have changed in the previous 12 months,  or any change does not seem to be worth the increase.

Get on the phone to your brokers or insurers and request a print out of every claim made against your insurance.

Concentrating initially on civil liability claims you will need to ask for the following information to be included,

* Name of person making the claim

* Location of claim

* Cause of accident / incident

* Amount paid out or Reserve held if the claim is on going

* Time and date

Go back over a period of at least 3 years and be prepared for a few suprises.

You may notice that on going claims have a reserve price next to it,  the highest I have seen is 2.5 million next to a claim by a staff member after an injury through manual handling.  This reserve is not the amount that will get paid out,  but is a tax dodge on the insurers business side.

I have also seen multiple claims made by the same person in different locations which was missed by the insurers. 

Going back over at least 3 years will give you information to make informed decisions and notice any patterns

When the insurers want to inspect your properties, plant, machinery, procedures make sure you have someone from your company with them.  Ensure the person acting on your behalf is familiar with your company and is not a walkover.

Get your insurers to notify you in advance of any inspection,  you have a responsibility for their Health and Safety and a responsibility to ensure they do not rip you off.

You should receive a full inspection report from your insurers.

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