Our Claims Philosophy
At A-Brokers, claims are not treated as an administrative afterthought. We view claims handling as a critical test of the insurance contract and a key measure of the value delivered by an insurance programme.
Our role is to actively represent and support our clients throughout the claims process while maintaining open, professional communication with insurers and reinsurers. We act solely in the interest of our clients at every stage.
- Proactive claims notification support
- Independent coverage analysis
- Direct insurer and adjuster liaison
- Settlement monitoring and follow-through
Early Notification
Immediate loss notification and insurer engagement to protect claim timeline and coverage.
Coverage Analysis
Detailed policy interpretation to ensure full entitlement under the insurance contract.
Adjuster Coordination
Professional engagement with loss adjusters, surveyors and technical experts.
Fair Settlement
Negotiation and follow-up to ensure timely, fair settlement in line with policy intent.
How We Support Your Claim — 7 Steps
From first notification through to final settlement, A-Brokers stands beside you at every stage of the claims journey.
Guidance on Policy Coverage
We interpret your policy document in detail — identifying the scope of cover, applicable limits, deductibles, and any exclusions that may affect your claim. This early analysis prevents surprises and ensures you understand your full entitlement from the outset.
Notification & Documentation
Correct and timely notification to the insurer is a condition of every policy. We guide you through the proper reporting procedures — completing required claim forms, gathering supporting evidence, and assembling documentation that substantiates your loss clearly and completely.
Liaison with the Insurer
We act as your dedicated representative in all communications with the insurer and appointed claims adjusters. This removes the stress of dealing with insurers directly and ensures that all correspondence is professional, accurate, and presented in the most favourable light for your claim.
Claim Negotiation
If an initial settlement offer is inadequate or a coverage dispute arises, we challenge it on your behalf. We present counter-arguments, source additional technical evidence, engage specialist assessors where needed, and negotiate firmly to achieve a settlement that reflects the true value of your loss.
Expediting the Process
Our deep understanding of how insurers work allows us to anticipate bottlenecks and proactively address them. We monitor assessment timelines, follow up persistently, and use our market relationships to keep your claim moving — preventing unnecessary delays at every stage.
Avoiding Common Mistakes
Many claims are prejudiced — or voided entirely — due to avoidable errors: late notification, incomplete documentation, unauthorised repairs, or breach of policy conditions. We identify these risks early and guide you away from actions that could compromise your coverage or reduce your entitlement.
Alternative Dispute Resolution
Where a claim remains disputed after direct negotiation, we explore formal resolution pathways on your behalf — including mediation, arbitration, or referral to the Financial Services Commission (FSC) of Mauritius. Our goal is always to resolve disputes efficiently without unnecessary cost or delay, while protecting your legal position throughout.
Scope of Claims Support
Documentation & Notification
Early loss notification and documentation support to meet policy conditions and preserve claim entitlement from day one.
Coverage Interpretation
Policy interpretation and coverage response analysis to identify the full extent of insured entitlement and avoid unintended exclusions.
Market Coordination
Coordination with insurers, reinsurers and loss adjusters — maintaining consistency of information across all stakeholders.
Claims Monitoring
Active monitoring of claims progress and timelines to ensure no delays in adjudication or settlement at any stage.
Marine & P&I Claims
Specialist advocacy for marine and P&I claims — cargo damage, collisions, pollution, crew liabilities, and port operations incidents.
Complex & Large Loss
Enhanced advocacy for complex, high-value, or multi-layered claims involving facultative reinsurance or P&I structures.
Large Loss & Reinsurer Engagement
For complex, high-value or multi-layered claims, including those involving facultative reinsurance or P&I structures, we provide enhanced advocacy and technical coordination.
This includes managing communications across multiple markets, ensuring consistency of information and alignment between underlying insurance and reinsurance layers.
We recognise the importance of transparency and timely information flow for reinsurers. Our claims approach supports reinsurer confidence through structured reporting and disciplined claims management.
Contact Our Claims TeamNeed Claims Support?
Contact our claims advocacy team for immediate assistance with your insurance claim.