Golf Club in Cumbria

The claim
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The severe flooding that followed affected a prestigious golf club complex in the area – reaching depths of around 300mm in the clubhouse and across parts of the course. 

The tenth green was partially washed away and there was severe damage to the 2nd and 3rd greens.  The golf shop, driving range, halfway house, as well as other facilities were also flooded.  

The course hosts a club professional golf tournament, which takes place in June each year, and the emphasis was on restoring the facilities to allow this event to go ahead as planned in 2016.

  • Our response

    We were quickly instructed by insurers.  On 9 December, one of our commercial property adjusters was on site and drying equipment was immediately installed.  The case then transferred to our Major & Complex Loss team.  

    A local surveyor was appointed and, once the price had been agreed, a local contractor began strip out works on 4 January.  The surveyor put together a tight programme for the restoration works, which was scoped and agreed with a team of local contractors.  Most of the contractors were also club members and had a vested interest in restoring the facilities as quickly as possible.

    Our FAS Global accountant visited the customer on 7 January to support and assist with their business interruption claim.  Various measures to mitigate the effects on turnover were agreed, including an advertising package, as well as various incentives to attract new members and encourage existing members to re-join. 

    On the course itself, a report was commissioned from the Sports Turf Research Institute (STRI) and a specialist contractor worked with the club’s green keepers to restore the greens and bunkers.  All the while, the course continued to operate using winter tees. 

  • The outcome

    Repairs to the main clubhouse were completed by 24 March 2016, in time for the Easter holidays and one of the busiest parts of the golf season. 

    Prompt repairs to the course itself were very successful and the club was able to host the professional club tournament in June, as planned. 

    The recovery of the business was quickly achieved and turnover had almost regained normality by the end of May 2016.

    Client feedback

    “Thank you for the way that you’ve dealt with this claim. The insured has been nothing other than complimentary about the service he has received and even quoted us in the club newsletter.” 

    “From a very negative opinion of insurance companies – originating from a fire claim some years ago, whilst he was with another business and with a previous insurer  – you’ve transformed the insurance industry from zero to hero in less than six months!

    “Well done and thanks again.”

Water and Waste

Service Overview
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Our sector specialists understand the technology used at each stage of the water collection, treatment and delivery process and have the relevant market experience to respond effectively to a loss.

Water and waste form the backbone of domestic and industrial life, with government, businesses and individuals demanding constancy and reliability. Each utility company faces a range of risks and need a ‘fit for purpose’ claims solution, which we can offer. We provide local expertise which is backed by global experience of issues and challenges that face this sector.

How we can help
  • The right tools

    We've developed cross-class policy wordings to deliver bespoke cover. If an incident occurs, we have bespoke notification procedures to get the right resource onsite to mitigate cost and expedite repairs.

  • Constant communication

    From the outset we deploy award-winning technology to record site damage and collate evidence and we keep you updated with tailored reporting, data and management information to assist in risk management.


Service Overview
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This is an industry that affects almost every business. Devastating events like train crashes and road accidents are a constant risk while transport infrastructure has become a target for terrorist attacks and malicious attacks. To add to this unpredictability there are new commercial risks from regulatory changes and market liberalisation. The depth of our expertise enables us to deal with claims in this sector effectively.

We are sensitive to the needs of this highly regulated sector and legislation and regulations are routinely identified and communicated, to ensure an in-depth understanding of the environment you work in.

How we can help
  • A joined up service

    Our transport team draws from our global pool of loss adjusters who have the skills and experience to respond to any claim. Each adjuster brings knowledge of their own discipline to offer the best solution.

  • Dealing with the unexpected

    We respond quickly and implement the right mitigation strategy promptly. We communicate regularly and provide information and analysis that you need. If there is adverse publicity, we are media trained and our PR partners can assist.

Retail and Wholesale

Service Overview
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From hypermarkets and luxury goods to logistics surrounding property damage and consequential losses, our priority remains to restore the supply chain as quickly as possible.

Using our in-depth retail industry knowledge combined with our respected loss adjusting and claims management skills we aim to ensure that losses in this sector do not become catastrophic incidents for the company concerned.

How we can help
  • Assisting with supply chain tension

    Retail losses can be exacerbated by tensions in the supply chain or regulatory requirements. We have a clear grasp of these complexities in the regions that you operate in, to help you get back to business.

  • One stop shop

    With retail specialists in over 30 countries our teams can be assembled at short notice and a chartered loss adjuster takes the lead accompanied by a chartered surveyor or other specialist.


Private Finance Initiative (PFI) and Public Private Partnerships (PPP)

Service Overview
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Our specialist adjusters have been working in this area for over 15 years. With a deep understanding of crisis management and claims handling, we are recognised in the industry as the ‘go-to’ experts.

The way public infrastructure projects are funded has changed and there is growing private sector involvement in the delivery of public services. In addition, with PFI and PPP claims the project agreement is paramount and a bespoke resolution process is needed. Our specialists have many years of experience in handling these claims and will ensure your interests are represented and that the claim is satisfactorily resolved.

  • The contract is king

    We understand the contractual matrix and structure of these projects and the revenue streams they generate so we can provide a swift and focused claim resolution to get the project operational again.

  • 24/7 access to information

    You will have full access to claims information via our online web portal, so you receive data in a format that suits you 24 hours a day, 365 days a year.

Who can we help
  • Airport and Aerospace
  • Education
  • Health
  • Police and Custodial
  • Transport and Infrastructure
  • Waste water and Utilities
  • Defence

Since the late 1990’s we have acted on over half the United Kingdom’s signed and ongoing PFI projects, ranging across all sectors of the PFI market. Each sector provides unique challenges and it is our understanding of these diverse risks that enables us to manage each claim effectively and efficiently.




Service Overview
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When disaster strikes, the speed of response is a vital component in keeping a manufacturing plant in business so we go onsite, assess the damage and find the right experts to provide support quickly.

We’re available 24/7, 365 days a year. Our specialist adjusters offer decades of local and global experience in handling high value and complex losses. We also have mechanical and electrical engineering expertise, chartered surveyors and accountants. For specialist cases we have immediate access to appropriate experts.We reduce costs, wherever possible, by applying project management principles to the claim from the outset.

How we can help
  • Back to business

    We always project manage the claim to return the factory to operational status, as quickly as possible. We're highly sensitive to the need to preserve trading relationships with suppliers and customers.

  • Always in touch

    During the claim, we provide immediate and constant communication from site using videos, photos and video conference calls, enabling decisions to be made quickly.

Who can we help
  • Plastics
  • Metal/steel production
  • Engineering
  • Electronics
  • Chemicals
  • Clothing/textiles
  • Automotive
  • Woodworking

Home Foreign

Service Overview
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Ready to deploy extensive local resources at any location around the world

We are a central point of contact for the global re/insurance market, particularly when coordinating a response to a major complex loss or catastrophe loss. All our loss adjusters, surveyors and engineers have experience working in other countries, which offers an additional insight when directing local response teams on the ground

How we can help
  • Major and complex losses

    Our team of experienced adjusters, surveyors and engineers are well versed in dealing with complex claims in the following re/insurance classes: construction, engineering, energy and machinery breakdown

  • Catastrophe response

    Our response teams are ready to support you in the aftermath of natural catastrophes, with recent examples including Asian typhoons, Latin American earthquakes and Caribbean hurricanes

Food and Beverage

Service Overview
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We understand that being prepared for the worst and dealing with it when it happens are key to protecting your reputation and your business.

We know the sector, can rapidly deploy the needed level of expertise and will work in partnership with you to get things back to normal quickly. During the course of the claim, we provide immediate communication from site and we work closely with our liability colleagues and solicitors to collect evidence and information. In addition, most of our team is media trained and can deal with any uninvited media interest.

How we can help
  • At your side 24/7

    We provide immediate assistance 24/7 and with experience of all types of claims we hit the ground running, understanding the different business models and their key risk areas.

  • Protecting all your assets

    We assist with loss recovery and the implementation of innovative loss mitigation measures, and where appropriate, pre-incident reviews of levels and types of cover to assist with loss continuity planning.

Areas of Specialty
  • Food and beverage
  • Producers
  • Agriculture
  • Food and beverage outlets
  • Associated suppliers
  • Fisheries
  • Food processors