A unique claims protocol
It became clear to us that from time to time, market forces, claims catastrophes
and pure volume in any given class of business meant that we had to be
proactive and responsive to our clients’ needs.
With this in mind, we have established a rather unique claims protocol.
Our four offices work in tandem to provide adequate back up and staff
to tackle claims throughout the Gulf Coast, Florida and California (our
other main area of business). We can achieve this via our highly experienced
personnel, our dedication to electronic (in addition to paper) files,
and because of our unique web-accessed database.
Our Gulf offices mainly deal with the adjustment and management of
claims in the maritime and energy markets. We have built a team of
adjusters and investigators with a combined wealth of experience in
the maritime; oilfield and energy industry; construction, pollution,
hull, cargo and general liability fields. The personnel in these offices
are, in effect, a turn-key operation that provides claim services ranging
from basic loss investigation and statement taking to insurance and
reinsurance audits and risk analysis.
In addition, our licensed field adjusters can operate from any of our
offices depending on the needs of our clients.
Efficient
and comprehensive claim & risk management
Whilst we like our clients to consider us as an extension of their own
claims risk analysis departments, we also consider ourselves as ambassadors
for our client. We believe that an important factor in the success
and longevity of any insurance relationship is the mutual respect of
a successful partnership. We always strive to unite the needs of insurer
and insureds to further this process. We do not believe that the claims
process should in any way be confrontational but rather an opportunity
for the insurer to satisfy the insured and for the insured to see the
value of the program they have purchased.
Our services
It is imperative that underwriters receive the epitome of professionalism,
proactiveness and competence in the handling of claims. To achieve
this, we practice a “Minimum Acceptable Standard” for each
stage of a claim. This includes;
| |
> |
immediately
acknowledge of
an assignment within twenty-four (24) hours |
| |
> |
perform
an on-site investigation of the incident, contact the plaintiff(s)
and witnesses, obtain and review contracts, take photographs, recorded
statements etc. in order to attempt to obtain immediate control
of
the situation as soon as possible. |
| |
> |
Our
electronic and hard copy files will be created, and a preliminary
indemnity and cost reserves set within five days of receiving notification.
Reserves will be carefully monitored based on severity of incident,
contractual obligations, attorney involvement and by applying applicable
case law and jurisdictional trends. |
| |
> |
We
will present a concise and detailed report to underwriters on all
current claims at least every sixty days or as developments progress
if sooner. |
Our services also include but are not limited to;
| |
•
|
Medical
Claims Management |
| |
•
|
Background
Investigations |
| |
• |
Mediation – Representing
Underwriters interests |
| |
• |
Vendor
Payments |
| |
• |
Loss & Safety
/ Pre Risk Audits |
| |
• |
Premium
Audits |
Unique use of technology
A significant part of our success is our dedication to technology. We
believe it is imperative that our clients are able to access and review
their claims trends 24/7.
With this ideal of transparency in mind, we developed a website and
secure database wherein our clients can access their claims via the web,
and download loss runs and reports as required. The system also allows
clients to post comments and/or instructions directly onto the electronic
file. This gives the client the opportunity to monitor or control claims
as they wish, dependant on claims settlement authority (if any) allocated
to CCM.
Our database adheres to Microsoft standards, ensuring that it can complement
and issue reports to any given clients-established claims database. This
has been proven and incorporated for a number of our clients in the past.
| 
