Insurance Survey & Loss Assessment

Insurance policies consist of multiple parts and sub-parts, including coverage grants, exclusions, identities of insured, conditions of coverage, counter-party risks, reporting obligations, as well as “other insurance” provisions and items. We regularly conduct policy reviews to identify and bridge gaps in existing policies. It is very important for both individuals and businesses to ensure that they are adequately insured for any loss that may occur. We can review your current policy and ensure that you are adequately protected. To ensure that you have the appropriate cover with your insurance policy we will review your current policy and evaluate it with regards to your actual needs.

We work for Solicitors in the preparation of Insurance Claims to be submitted as part of pending legal proceedings. Our invaluable knowledge in the area of claims has been of enormous benefit in the preparation of law suits for the legal profession. We will also review claims that have been submitted to solicitor’s clients to check and validate the quantum aspect.

When you buy a new property, a snag list should be arranged at the completion stage, to outline the ‘snags’, small problems, or unfinished pieces of work that need to be completed before you complete the sale. We will visit your new property and compile a comprehensive snag list on your behalf.

We provide a better way to manage your portfolio through our group of experienced general insurance & financial service professionals. We will assist you in analyzing your portfolio so you can maximize your financial potential. To remain successful in our current economic climate, assessing risk and examining returns is vital to future gains. Whether you need to purchase new coverage, audit existing policies to ensure they remain competitively priced and are aligned with your objectives, or to work your advisor for coverage planning purposes, we have the expertise to take your insurance planning to the next level. Cogs advisors work with clients to capitalize on the opportunities that the insurance market provides as well as identify the optimum coverage for each individual or business.

We help our clients avoid problems before they occur. We assess risk and, where possible, avoid or mitigate it, before a loss, claim, or other dispute arises. We evaluate and quantify client needs and recommend tailored and thoughtful advice for avoidance, mitigation, and/or transfer of risk. Insurance products are frequently one of solutions we recommend, including atypical insurance such as captive insurance or self-insurance. We often suggest revising business documents, changing business practices, or implementing non-insurance risk avoidance and transfer strategies.

It is customary to have route survey (Roads and bridges) from origin to destination covering followings: Distance and Highways (State, National, etc.).,States passed, type of highway (lanes), and traffic.,Total number of bridges and type (IRS 70R / Class AA).,Overhead objects and clearance.,Toll tax booths and parking places.,Congested villages, cities, and towns.,Railway crossings (electrified and non-electrified).,Road under-bridge structures and height clearance.,H.T. lines and height clearance / Low tension and domestic wires.,Permissions from RTO, CPWD, WD, NH, etc.