About RSL Insurance Claims Consultants
Independent loss assessors. Founded in 2003. Family-led.
Based in Hoylake on the Wirral, we manage insurance claims end-to-end for homeowners and businesses across the North West of England and North Wales. Chartered, FCA-regulated, and on your side — never on the insurer’s.
Meet the founder
Rob Spence – Founder, Chartered Loss Adjuster
I formed RSL in 2003 after years as a Chartered Loss Adjuster at Crawford & Co and Thomas Howell Group, representing insurers on complex and major loss claims. Over that time I watched service levels decline — and the people who needed help most, policyholders, were being left to navigate the claims process alone. RSL was set up to flip that. We work for you, not your insurer.
- 35+ years’ experience across claims from domestic incidents to multi-million pound commercial losses
- Chartered Loss Adjuster (member of CILA)
- Previously Crawford & Co and Thomas Howell Group – two of the best-known loss adjusting firms in the UK
Our principles
Four things we always do
We work for you, never the insurer
Independent loss assessors. No dual representation, no exceptions.
Founder-led, every claim
Rob reviews every claim that comes through the office. No call centres, no pass-offs to juniors.
Local roots, regional reach
Based in Hoylake on the Wirral, working across the North West and North Wales. We know the housing stock, the contractors, and regional insurer behaviour.
Plain-spoken, never combative
Insurance is opaque enough. We tell you straight if we can help — and straighter if we can’t.
Our team
A small team, with deep experience
Every member of the team handles real claims – no separation between sales and delivery.
Rob Spence
Managing Director
Chartered Loss Adjuster
Founded RSL Claims in 2003 after 15+ years as a Chartered Loss Adjuster at Crawford & Co and Thomas Howell Group. 35+ years’ experience across domestic incidents and multi-million pound commercial losses, with a focus on complex and major-loss claims.
Off-duty
Keen golfer at Royal Liverpool Golf Club (4 handicap), salmon fishing in Scotland, family time in Abersoch.
Ben Spence
Claims Manager
Repair Network Specialist
With 20 years’ experience in loss assessing, Ben specialises in domestic claims and is known for putting the client first. He takes a firm, no-nonsense approach with loss adjusters, ensuring claims are settled fairly and on the client’s terms – not shaped by an insurer’s interpretation of the policy. Over the years, Ben has built a trusted network of surveyors, engineers and contractors, giving RSL clients access to reliable, vetted support at every stage of a claim.
Off-duty
Away from work, Ben enjoys long walks with his dog, Cooper, a round of golf, and spending time with family.
Regulated, accredited, and accountable
Where we work from
Based on the Wirral, working across the North West.
Our office is at 38 Birkenhead Road in Hoylake, on the Wirral peninsula. From here, we work claims across Liverpool, Manchester, Chester, Warrington, North Wales and the wider region. We know the local housing stock, the surveyors we trust, and the contractors who turn up when they say they will.
Being a small, family-led firm rooted in one place lets us keep relationships warm — with policyholders, brokers, and the regional insurance market.
38 Birkenhead Road, Hoylake, Wirral CH47
What we handle
Insurance claims for homeowners and businesses
Help with home insurance claims
From fire and flooding issues to subsidence and storm damage, we help manage the claim on your behalf from start to finish.
Help with business insurance claims
Property damage, business interruption and loss of income claims handled professionally so you can focus on keeping your business running.
Get in touch
Want to talk it over?
We offer a free 15-minute consultation. If we can help, we’ll tell you honestly. If we can’t, we’ll point you in the right direction.