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What We Do

Our Services

Structured investigation and technical reporting across eight key insurance classes.

Our Capabilities

Technical Loss Adjusting Expertise

Accura provides loss adjusting and claims advisory services across key insurance classes. Each instruction is allocated to adjusters with relevant line-specific experience, ensuring assessments are undertaken by practitioners with appropriate technical competence rather than generalist application of standardised methodology.

The adjustment process is conducted in a structured manner from instruction through to final report, comprising prompt site attendance, evidence identification and preservation, causation analysis, policy interpretation, liability assessment, and quantum determination. Interim reports are issued on complex and/or high-value matters as required, with ongoing technical updates provided to support claims control, reserving, and settlement decision-making.

Marine survey
City skyline

Structured investigation and technical reporting
across eight key insurance classes.

Property
01

Fire, Flood, Theft & Business Interruption

Property

We assess domestic and commercial property losses arising from fire, flood, storm, theft, and business interruption. Assignments are executed through structured evaluation, policy-based quantification, and defensible reporting.

  • Structural damage investigation and causation analysis
  • Material damage quantification and reinstatement costing
  • Business interruption loss calculation and BI period assessment
  • Policy coverage review and basis of settlement determination
  • Interim report issuance and reserve guidance for complex matters
Marine Cargo
02

Cargo, Hull & Machinery, Transit Loss

Marine Cargo

We manage marine cargo, hull and machinery, and transit-related losses. Work is supported by specialist marine expertise applied to damage assessment, liability analysis, and valuation across international exposures including port, warehouse, and inland transit losses.

  • Cargo damage surveys at port and inland locations
  • Outturn and short-landing investigations
  • Hull and machinery damage assessment
  • Subrogation and recovery analysis
  • General average and salvage reporting
Major & Complex Loss
03

High-Value, Catastrophe & Multi-Party Losses

Major & Complex Loss

We respond to high-value, technically complex, and catastrophe-related losses. Engagements focus on rapid deployment, coordinated investigation, and controlled quantification under compressed timelines including large commercial fires, industrial explosions, and infrastructure failures.

  • Rapid on-site deployment and scene preservation
  • Multi-disciplinary investigation teams where required
  • Interim factual reports and reserve recommendations
  • Cause and origin investigation and expert coordination
  • Complex BI and consequential loss quantification
CAR, EAR & CPM
04

Construction, Engineering & Plant Risks

CAR, EAR & CPM

We adjust construction and engineering losses across Contractors All Risks, Erection All Risks, and Plant and Machinery covers. Services include technical site assessment, causation analysis, and valuation of works, materials, and equipment.

  • Site attendance and progress documentation
  • Works-in-progress damage assessment and reinstatement costing
  • Plant, machinery, and equipment valuation
  • Third-party damage arising from contract works
  • Delay in start-up and advance loss of profits assessment
Casualty & Liability
05

Employer's, Public & Product Liability

Casualty & Liability

We investigate liability exposures across employer's, public, and product liability claims. Work centres on factual analysis, liability determination, and structured reporting for indemnity and settlement resolution.

  • Accident reconstruction and incident investigation
  • Witness evidence gathering and documentary analysis
  • Negligence and contributory negligence assessment
  • Quantum of damages analysis and medical cost review
  • Structured settlement recommendations
Surveying
06

Building Survey, Defect Analysis & Pre-Loss Valuation

Surveying

We conduct building surveys, defect analysis, and pre-loss valuations. Outputs provide technical clarity on condition, risk exposure, and project-related integrity informing both underwriting decisions and claims outcomes.

  • Pre-risk and reinspection surveys for underwriters
  • Building condition and defect reporting
  • Reinstatement cost assessments and sum insured adequacy
  • Schedule of dilapidations and condition reports
  • Post-loss damage surveys and scope of repair
Forensic Accounting
07

Business Interruption & Loss of Profits

Forensic Accounting

We quantify financial losses including business interruption, loss of profits, and additional increased cost of working. Analysis is grounded in structured financial review, reconciliation of records, and defensible loss calculation methodologies.

  • Maximum indemnity period and gross profit review
  • Turnover trend analysis and forecasting
  • Increased cost of working and savings assessment
  • Management account and audited financial review
  • Expert report preparation for dispute resolution
Technical Advisory
08

Risk Survey, Loss Prevention & Pre-Underwriting Input

Technical Advisory

We deliver risk surveys, loss prevention insights, and pre-underwriting technical input. Focus is placed on exposure identification, risk refinement, and improved underwriting accuracy across commercial, industrial, and infrastructure risks.

  • Full and desktop risk surveys for underwriters
  • Fire protection, security, and occupancy assessment
  • Risk improvement recommendations and re-inspection
  • Pre-loss maximum assessments
  • Technical peer review and second-opinion reports
Ready to Proceed?

Instruct Accura Today

All instructions are acknowledged within one working day. To discuss a new claim or technical advisory requirement, contact our head office directly.

Submit an Instruction +254 794 893 636
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