/ Loss Adjusting (Non-Marine)

A Chartered Loss Adjusting Service founded on technical expertise and Africa specialization

Loss Adjusting is one of the core services offered by Toplis and Harding to local and international Underwriters. We have experience handling commercial claims all over East Africa including complex, multi-million-dollar losses arising from fire, accident, contractors all risks, liability, money and special risks policies.
Toplis and Harding is one of the East Africa’s oldest chartered loss adjusting firms with a name that is widely recognized in the international insurance industry. With over 50 years of experience operating out of East Africa and having worked in multiple regions throughout the rest of Africa, we have an intimate understanding of how to converge the expectations of international insurance markets with the working conditions prevalent on the continent. Over time, we have built a strong regional and international reputation by aspiring to the highest ethical standards and consistently providing a high-quality claims service.
An all-encompassing claims investigation and adjustment service is given from initial instruction to final settlement, all under the control of a director.
Cargo Surveys Tanzania

Responsive attendance and organized reporting to principles forms the backbone of our credible claims handling practice:

•    Prompt attendance
•    Thorough investigation
•    Interpretation of policy wordings, terms and conditions
•    Loss quantum verification
•    Value at risk analysis
•    Concise and informative reports
•    Advice on interim disbursements where necessary
•    Recovery mobilization to reinstate the Insured’s operations as quick as possible
•    Principles closely updated on progress
•    Comprehensive negotiations to reach equitable settlements
•    Salvage facilitation
•    Business Interruption analysis, where applicable
•    Risk improvement recommendations
•    Qualified insurance practitioners from diverse professional backgrounds
•    Resources of our extensive pan-African network
•    Consultation with legal and other professional experts on need-determined basis