When your business suffers a major loss whether it’s due to fire, flood, theft, or another unexpected event your insurance policies are designed to step in. But navigating the claims process, especially for large or complex losses, can be stressful and time-consuming. That’s where Commercial Loss Recovery Insurance provides invaluable support.
Whilst our service includes help with processing the settlement of any insurance claim you make, larger losses can be complex, time consuming and often require expert help and assistance. Loss Recovery Insurance is a policy to provide the services of an independent, expert loss adjuster to prepare, negotiate and settle your claims with your insurance company on your behalf.
What is Commercial Loss Recovery Insurance?
Commercial Loss Recovery Insurance is a specialised policy designed to cover the cost of appointing an independent expert loss assessor to prepare, negotiate, and settle your insurance claims on your behalf. Unlike a loss adjuster who works for the insurer a loss assessor represents you, ensuring your interests are represented throughout the claims process.
For example, if a fire causes significant damage to your premises and disrupts trading, a loss assessor can step in immediately to coordinate repairs, manage communication with insurers, and secure interim payments to help you recover faster.
What Does It Cover?
Property Damage and Business Interruption claims can be lengthy and complex to resolve. Commercial Loss Recovery Insurance provides support for claims exceeding a pre-agreed amount. Some of the services included are:
- Providing initial telephone advice on all claims
- Meeting with you in person for all qualifying claims
- Arranging interim payments from insurers to maintain cash flow
- Attending meetings with insurers and handling all correspondence
- Organising temporary premises, equipment, surveyors, valuers, and contractors as required
- Preparing and presenting your claim to insurers and negotiating the best possible settlement
Who is it For?
Commercial Loss Recovery Insurance is particularly valuable for:
- Businesses with complex operations or high-value assets
- Property owners or landlords with multiple commercial properties
- Retailers, manufacturers, or logistics providers exposed to supply chain disruption
- Any business that wants peace of mind knowing they’ll have expert support during a claim
How it could benefit your business
Loss Recovery Insurance gives you access to expert advice and hands-on assistance to:
Ensure a fair and timely settlement
Independent loss assessors understand policy wording and claims procedures. They make sure your claim is properly presented and negotiated so you receive everything you’re entitled to.
Reduce disruption to your business
With the additional assistance in managing your claim, you can focus on keeping your business operating.
Speed up the claims process
By avoiding common pitfalls and delays, a dedicated claims expert can help resolve your claim faster and more efficiently.
Enhance your resilience
Having a plan in place before disaster strikes gives your business the confidence and capacity to recover quickly from unexpected losses.
If you would like to find out more about Commercial Loss Recovery Insurance or how we assist our clients, please get in touch.
Whilst care has been taken in the production of this article and the information contained within it has been obtained from sources that Griffiths & Armour, an Aon company believes to be reliable, Griffiths & Armour, an Aon company does not warrant, represent or guarantee the accuracy, adequacy, completeness or fitness for any purpose of the article or any part of it and can accept no liability for any loss incurred in any way whatsoever by any person who may rely on it. In any case any recipient shall be entirely responsible for the use to which it puts this article.This article has been compiled using information available to us up to 4 December 2025
