Audits

Loss & Safety Audits

Understanding the risk is a crucial factor in underwriting. We offer a comprehensive loss and safety audit service for potential insureds to ensure they are a viable risk. This service has been well-received by many of our clients and is often included as a warranty under the policy where appropriate.

An example of an audit would include:

• A brief history of the company, including operations
• Verification of the information provided in the insurance submission, including payroll and the number of employees
• Review of the company safety program, including training, safety meetings, job safety awareness, availability of recognised safety equipment to employees, equipment maintenance, and safety reward schemes
• Hiring practices, including prospective employee screening and post-offer drug screening
• Provision of a detailed report with improvement recommendations (if required)

We also perform premium reviews at the expiry of policies that were underwritten on a minimum and deposit (M&D) type premium payment.

Insurance Audits

In addition to our loss and safety audits, we provide comprehensive insurance audits. We perform insurance audits on various classes of business for underwriting intent, claims control, and commutation purposes, ensuring the insurance program is within the parameters and guidelines agreed upon at its inception.

TMCM has a deep and thorough understanding of each industry in which we operate, including:

• Maritime
• Cruise lines
• Yachts and marine leisure
• Ports, terminals & logistics
• Commercial fishing
• Energy
• Construction
• Insurance

Thomas Miller Claims Management – The Complete Claims Handling Service

If you need support with more than just our auditing service, TMCM can help. We provide a complete range of claims management and related services, including:

• Specialist claims handling
• Third-party administration
• Medical assistance
• Offshore personal injury
• Legacy claims solutions

Understand the Risks with Thomas Miller Claims Management’s Audits

When you need to understand all aspects of the risk you are underwriting, speak to TMCM. We will provide a no-obligation consultation regarding your requirements. Contact us today to learn more.