commercial loss assessors
When disaster hits, we’re on your side.
RSL Claims are independent commercial loss assessors helping businesses across Liverpool, Manchester, the Wirral, Warrington, Chester and North Wales manage complex insurance claims with confidence.
Free initial consultation
We’ll review your policy, provide insurance claim advice and tell you honestly if we can help.
No win, no fee
Our fee is agreed upfront as a percentage of the settlement achieved for you. No hidden charges.
Flexible fee solutions
We coordinate property damage, business interruption and contents claims as one complete claim.
Magnificent news – you are worth your weight in rubies. Without your expertise to manage and expose the underinsurance, we would have been accepting a far lower settlement from insurers.
Business owner · Liverpool · Underinsurance settlement · 2024
Specialist commercial coverage
Insurance claims we handle for businesses
From property damage to lost income, we manage every part of your insurance claim from initial notification through to settlement.
Fire
Fire damage
Helping businesses recover from property damage, stock loss and operational disruption.
Water
Burst pipes & water damage
We coordinate drying, repairs and claim management while helping minimise disruption to your business.
Interruption
Business interruption
We work alongside accountants and specialists to present lost income and increased cost claims properly.
Flood
Flood damage
Managing surveys, repairs and reinstatement while helping keep your business operational where possible.
Storm
Storm damage
Claims relating to roofing, signage, structural damage and external property damage are handled professionally.
Impact
Impact damage
Vehicle impact and structural damage claims managed from assessment through to reinstatement.
Theft
Theft & break-ins
We manage break-ins, stolen equipment and criminal damage claims while working to minimise disruption to your day-to-day operations.
Stock
Stock & inventory
We help document damaged or stolen stock properly, supporting claims for lost inventory and business interruption.
Contents
Damaged contents
From office equipment to specialist machinery, we document and manage business contents claims clearly and professionally.
Get in touch
Not sure what your claim is worth?
Every commercial insurance claim is different. Speak to an independent commercial insurance loss assessor for a free, no-obligation consultation.
Often underclaimed
Don’t leave your business interruption insurance claim underpaid
Business interruption (BI) insurance is one of the most valuable parts of a commercial policy and one of the most commonly underclaimed.
If your premises have suffered insured damage, you may be entitled to recover lost revenue, fixed costs and additional expenses while your business recovers. These claims require detailed financial evidence, forensic review and careful presentation.
As experts in commercial claims, we have strong expertise in calculating and presenting BI claims. Working alongside business owners and accountants, we make sure no stone is left unturned, and your BI losses are fully recovered.
What we do for your BI claim:
- Review your policy to identify the full scope of cover
- Calculate the correct indemnity period
- Work with your accountant to prepare supporting evidence
- Recover lost income, fixed costs and additional costs of working
£3.125M Settlement – Major Flooring Manufacturer
Insurers were on the verge of declining the claim entirely. RSL’s analysis reframed the loss and secured full acceptance.
“Without Rob Spence’s expertise and negotiation skills, I’m confident the insurers would not have settled at the level they did. It was clear they were reluctant to go so far above their initial assessment – a testament to the strength of Rob’s advocacy.”
MD, Forensic Accountants — acting for the insured
Who we work with
From single-site retailers to multi-site operators
If your claim is straightforward or highly complex, we have the experience to handle it.
Retail & hospitality
Warehouses & industrial premises
Offices & professional services
Restaurants, bars & hotels
Manufacturing & production
Tradespeople with commercial premises
Multi-site businesses
Professional landlords
Facility Management companies
Loss adjuster vs loss assessor
Loss assessor vs adjuster. Only one is on your side
When you make a commercial insurance claim, your insurer appoints a loss adjuster to investigate the damage and assess the claim on behalf of the insurer. Here’s how the two roles compare.
Your independent loss assessor (us)
Works solely for you
- Appointed by you, representing you throughout the claim
- Prepares, manages and negotiates your claim from start to finish
- Documents and quantifies the full loss properly
- Identifies areas within the policy that benefit the client, like Professional Fees, Alternative accommodation and energy performance uplifts
- Protects you from pitfalls like value-at-risk and underinsurance by careful presentation at the outset
Your insurer’s loss adjuster
Works for the insurance company
- Appointed by your insurer to investigate the claim
- Job is to protect the insurer’s interests
- Assesses the damage and scrutinises your policy
- Identifies grounds to reduce or dispute payout
- Rarely provides general advice or guidance in relation to the presentation of your claim
The claims process
How we manage your business insurance claim, step by step
From your first phone call through to settlement, we manage the paperwork, negotiations and coordination so you can stay focused on running your business.
1
Free site visit & policy review
We arrange a free consultation within 24 hours, attend your premises promptly and review your policy in full, including underinsurance risks and business interruption cover.
2
We take over the claim
Once appointed, we handle communication with your insurer and their loss adjuster, including interim payment requests and urgent issues such as temporary accommodation or alternative premises.
3
We quantify your full loss
Building damage, stock, contents, equipment and business interruption losses are prepared as one coordinated claim supported by surveys and financial evidence.
4
Negotiation & settlement
We negotiate directly with the insurance company’s loss adjuster, challenge attempts to reduce the settlement and present your claim with clear supporting evidence.
5
Reinstatement & sign-off
Our vetted commercial contractors can help restore your premises while we continue managing the claim through to final payment and completion.
Founder · Chartered Loss Adjuster
Led by a Chartered Loss Adjuster
Commercial experience you can rely on
The level of service and support business owners once received from insurers’ representatives and loss adjusters is no longer there. As a Chartered Loss Adjuster who spent years working for insurers, I started RSL Claims over 20 years ago to redress that and make sure businesses recover the full settlement their policy entitles them to.
Rob Spence – Managing Director, Chartered Loss Adjuster.
35+
YEARS’ EXPERIENCE
2003
FOUNDED
+30–50%*
vs insurer’s first offer
*Range achieved across recent claim settlements.
Real client feedback
What our clients say about working with RSL Claims
Reviews from business and homeowners across the North West of England and North Wales.
Where we work
Commercial expertise across the North West of England and North Wales
We understand the local commercial property landscape, the common causes of damage affecting businesses across the region and the importance of keeping operations moving while a claim is ongoing.
From independent retailers in Chester to multi-site businesses in Liverpool and Manchester, we support commercial policyholders across the North West and North Wales.
Bolton
Chester
Crewe
Formby
Lancashire
Liverpool
Manchester
North Wales
Preston
Southport
Tarporley
Warrington
Wilmslow
Wirral
Wrexham
Not in our patch? Contact us. For larger commercial claims, we regularly travel beyond the 100-mile mark when needed.
Frequently asked questions
Common questions from business owners
Will my insurer object to me appointing a loss assessor?
No, you have every legal right to appoint your own professional representative, just as your insurer has the right to appoint a loss adjuster. If your insurer or their adjuster tries to discourage you, we’d encourage you to ask yourself why – and to call us.
When should I contact you?
As soon as possible after the incident. The earlier we’re involved, the more effectively we can manage the claim from the outset. We can also assist with claims already in progress, particularly if the process has stalled or the offer appears inadequate.
How much does it cost?
We work on a percentage of the settlement we achieve for you. Our fee is agreed clearly and transparently at the outset, with no hidden charges.
Do you cover the whole North West?
Yes. We operate across Liverpool, Manchester, the Wirral, Warrington, Cheshire, North Wales and the surrounding areas. If you’re unsure if we cover your location, just call us.
Can you help if my claim has already started?
We regularly take over claims mid-process, particularly where the loss adjuster has stalled, the offer is too low or the policyholder feels out of their depth. We’ll review where the claim is and tell you honestly if we can help move it forward.
Get in touch
Free 15-minute consultation. No obligation.
If we can help with your business claim, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction.
Should you need a specialist commercial loss assessor to deal with your property damage claim or business interruption loss, we’re here to help.