Commercial Loss Assessor
What a Commercial Loss Assessor Does, and Why Your Business Needs One
When your premises are damaged, the insurer will appoint a loss adjuster to assess the claim on its behalf. A commercial loss assessor acts for you, the policyholder, preparing, presenting and negotiating your claim so it can be properly assessed under the terms of your policy.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
Loss Assessor vs Loss Adjuster
The Difference That Decides Your Settlement
The two titles sound alike, here is the difference: A loss adjuster is appointed by the insurer to assess the claim on the insurer’s behalf. They are professionals carrying out a legitimate role, but their responsibility is to the insurer.
A commercial loss assessor is appointed by you, the policyholder. The role is to prepare, present and negotiate the claim from your side, so the loss is properly evidenced, presented and assessed under the terms of your policy.
- Acts only for you regulated by the Central Bank of Ireland
- Reads your policy identifies every section of cover that applies
- Builds the evidence a detailed, costed schedule of loss
- Negotiates direct with the insurer’s loss adjuster
What We Handle
How Commercial Claims Differ From Domestic Claims
Commercial claims are more complex because the damage rarely stops at the building. Stock, equipment, fit-out, business interruption and specialist evidence can all form part of the same claim. Each element needs to be assessed, documented and presented clearly under the terms of the policy.
- Building & fit-out reinstatement works, tenant improvements, specialist finishes and policy-relevant compliance requirements
- Contents, stock & equipment stock, machinery, plant, equipment, fixtures and business contents reviewed with supporting evidence
- Business interruption loss of income, increased cost of working, payroll and fixed costs assessed in line with the policy wording
- Specialist reports & evidence surveying, engineering, drying, forensic or valuation input coordinated where required to support the claim
For fire, smoke and consequential damage, see our commercial fire damage claim guide. If your claim involves loss of income, read our dedicated guide to the business interruption insurance claim process.
How It Works
From First Call to Full Settlement
We manage your commercial claim end to end, so you can keep running your business while we deal with the insurer.
We attend your premises, review the damage and explain your options with no obligation.
We interpret your cover, identify every section that applies and flag risks such as underinsurance early.
We build a detailed, evidenced schedule of damage, then present the claim to your insurer.
We negotiate directly with the loss adjuster and work towards the full settlement you are entitled to under your policy.
Why Claims Get Underpaid
Where Commercial Settlements Are Lost
The loss of income while you recover is the most under-recovered part of most commercial policies, and it needs a forensic, evidenced approach. Larger losses also require specialist accounting and engineering reports, which we coordinate so the claim holds up under scrutiny.
Property damage can also spread costs across the building, stock, equipment, fit-out and trading losses. We assess the visible and less obvious damage, coordinate specialist input where required, and present the evidence needed to support the claim.
Why Choose Us
Led by Chartered Surveyors, On Your Side
We are a Registered Public Loss Assessor regulated by the Central Bank of Ireland, Reg. No: C423441. You always know exactly who is acting for you.
- Chartered expertise led by Trevor Kelly MSCSI MRICS, BSc (Hons) Building Surveying
- Senior claims experience complex commercial losses led by senior loss assessor John Holland
- No win, no fee our fee is a percentage of the final settlement, agreed in advance
- Speak to us anytime you can speak to us about your claim without charge or obligation
Read our dedicated guide to the commercial property insurance claim process, or learn more about our firm and team.
Your Loss Assessors
Chartered experts acting for you
MSCSI, MRICS chartered building surveyor and registered Public Loss Assessor. Over 20 years in claims and surveying; founded the practice in 2009.
Qualified building surveyor specialising in major, technical and complex commercial losses, including fire, subsidence and business interruption.
across Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee. Learn more about our firm and team.
Client Feedback
Trusted by business owners across Ireland
After a fire closed our premises I had no idea where to start. Having someone read the policy, build the claim and argue it with the adjuster took the whole thing off my shoulders. The final settlement was well above the insurer’s first figure.
The insurer’s loss adjuster was friendly but clearly working for them. Bringing in our own loss assessor changed the conversation completely; they captured the loss of trade I would have missed entirely and dealt with everything for us.
Common Questions
Your questions, answered
We work on a no win, no fee basis. Our fee is a percentage of the final settlement, agreed with you in advance before any work begins. There is nothing to pay up front, and the initial consultation and site visit are free with no obligation.
The loss adjuster is appointed and paid by the insurer to assess and settle the claim on the insurer’s behalf. A public loss assessor is appointed by you, the policyholder, and acts only in your interest. We prepare the claim, evidence the full extent of the loss and negotiate directly with the adjuster on your behalf.
Make the premises safe and take reasonable steps to prevent further damage, but avoid disturbing damaged areas or disposing of evidence unless needed for safety or emergency works. Photograph the damage where possible, keep damaged items where safe to do so, and retain receipts and records. Call Commercial Insurance Claim Solutions for a free initial consultation, and we can notify your insurer on your behalf.
It varies with the complexity of the loss; a straightforward claim moves faster than one involving major reinstatement or business interruption. We keep the claim moving, chase the insurer and pursue interim payments where possible so you are not left waiting for cash flow. We cannot guarantee a timeframe, but we manage the process tightly to avoid delay.
Yes. We handle the claim end to end, from the policy review and the schedule of loss to all correspondence and negotiation with the insurer and their loss adjuster. You can stay focused on running your business while we deal with the insurer on your behalf.
We act for commercial clients across Ireland nationwide. We are based in Rush, Co. Dublin, and regularly attend premises throughout Dublin, Leinster and beyond.
Yes. We can step in at any stage, including mid-claim or after the insurer has put an offer on the table. We will review the position before you accept anything and advise whether the offer reflects your full entitlement. Speak to us before you sign off on any settlement.
Every day without a loss assessor
is a day the insurer controls your claim
Speak to us before you accept any offer. The consultation is free, with no obligation and no win, no fee. We work towards the full settlement you are entitled to under your policy.
