Expertise
Specialist insurance claims services
For All Your Needs
We have specialized in the investigation of Employers, Third Party and Product Liability insurance claims, primarily concerning commercial policyholders relating to German and Turkish speaking countries. We are handling various Turkish liability accounts, including liability insurance claims of major Turkish construction and manufacturing companies, involving investigations in and outside of Türkiye. Where required, we work together with experts, such as Forensic Engineers, who assist us with the root cause analysis for our Product Liability claims.
Every solution starts with understanding the circumstances, the parties involved and the unique situation and priorities of each case. As your trusted partner, we tailor our support to fit our clients’ complex claims handling needs – not a one-size-fits-all approach. We are handling several accounts, for which we present to our clients updates including Reserve recommendations on a quarterly basis.
Loss Adjusting
Our focus is the investigation of liability insurance claims, assessing quantum, reviewing the parties' liability and determining if and to what extent cover under the insurance and reinsurance policies applies, including reserve recommendations. We ensure independent, fair and prompt claims handling.
Legal Consultancy
We are qualified to provide legal advice in European law including German law as well as Turkish law, well placed to guide our clients through jurisdictional challenges. Our legal consultancy work includes Mediation as form of Alternative Dispute Resolution (ADR), to help parties reach agreement.
Risk Management
We provide specific risk management services to identify, eliminate and manage technical, operational and legal risks. Through our extended network of engineers, we can assist in critical sectors of emerging markets and respond to increasing demand.
Our Expertise
Liability Insurance
Employers Liability
In the Employers Liability line of business, we have handled a large number of injury and fatal work accident notifications and continue to receive regular instructions from Reinsurers. In addition to investigations into work accidents, we are able to determine the parties’ liability under the applicable law, quantify the damages (plus associated legal costs, fees and interest) with the assistance of our own locally registered Actuary and calculate potential settlement parameters, either prior to or after issue of a judgment, as well as advise on potential future recovery lawsuits from the Social Security Authority. In some cases, where a work accident related matter has already been settled by the local parties, we assess whether the settlement is in line with policy terms and conditions and reasonable.
Third Party & Fire Liability
Third Party (Public) Liability Insurance is an essential cover for businesses against claims from third parties arising out of injury or property damage. Risks in this line of business can be interesting and dynamic for the insurance market, but exposure can likewise be high. We have extensive experience in handling this type of liability insurance claims, relating to both serious injury and fatalities as well as large property damage. The liability insurance claims we are handling also involve property damage resulting from voltage fluctuation and wildfires, which can be very costly if liability attaches to policyholders. There can be strict liability for activities of policyholders, which require immediate attention to fully understand the circumstances, the extent of liability and potential quantum.
Product Liability
In simple terms, product liability is the legal responsibility of manufacturers, sellers or distributors for injuries and/or damages caused by defective products, allowing an injured party to submit a claim under several legal theories, such as strict liability, negligence and breach of warranty. We regularly investigate insurance claims under standard and also extended Product Liability Insurance Policies, including recall, dismantling & reinstallation, mixing & blending. We proactively investigate product liability insurance claims by directly communicating with all parties involved to ensure participation in a joint inspection of the allegedly defective product and involving our own forensic engineer to determine causation at an early stage, thereby protecting the interests of our clients and their policyholders.