Claims Consultancy and Risk Management


Claims Consultancy

An insurance policy that does not respond to a claim is worthless.

As a Chartered Insurance Broker we believe that no matter what the premium saving, policy certainty has to be the primary responsibility of the broker.

At PHP the claims services we provide are unique, not only to each sector but to each individual client. Our claims services are among the best in the industry because we work with clients on prevention, but if the unthinkable happens you can be sure that we will support you every step of the way.

What we can do for you

Major claims require hands on involvement right through from the date of the incident until the settlement cheque has been banked. PHP offer a specialist claims consultancy service and will always:

  • Appoint loss adjusters
  • Attend site meetings to assess damage
  • Complete a full analysis of the policy to ensure the claim is covered
  • Make negotiations on quantum
  • Intervene and lend support in the event of breach of warranty or policy conditions
  • Make payments on account

We will help you prepare your claim and we will negotiate on your behalf with Loss Adjusters and Insurers to ensure that you get the best possible outcome from your insurance claim.

In fact, we are so good at handling claims that firms who are not clients use us as claims consultants.

Risk Management

To compete successfully in the broking sector, companies need a specialist risk management capability.

Many brokers react to management risks after something has already happened, which results in additional control measures being made under pressure to prevent a recurrence. This often leads to a sudden escalation of costs. At PHP we embrace the concept of true risk management, which can be defined as an analysis of business practice, the whole management process and the introduction of measures to reduce or prevent from the outset and on an on going basis.

What we can do for you…

Working in partnership with specialist service providers we can give high quality advice on:

  • Health and safety in the workplace
  • Product safety
  • Occupational hygiene
  • Vehicle risk management
  • Driver training