Our experienced team of professionals gives focus to our Claims Service and actively handles all aspects of the claims process in a prompt and informative manner. We regularly communicate with members and aim to achieve claim settlements, particularly those affecting loss or damage to member assets, as quickly as possible.
All members receive:
- Claims guidelines
- Emergency out-of-hours contact details
- Electronic access to their Claims Experience
Specific arrangements for the handling of claims, include:
Property & Business Interruption
Handled by our Claims Service team. Specialist loss adjusters are instructed as required. Response time to new claims is 24 hours followed by regular updates.
Claim payments, including interim payments, are usually authorised within 48 hours.
Employers Liability and Public Liability (Injury)
UMAL is a registered Compensator and Plexus Law administer the claims. All claims are acknowledged within the necessary time frame or within 24 hours where reported directly to UMAL. Any subsequent investigation and direct handling with solicitors and claimants is undertaken by Plexus Law or our excess insurers depending on the date of incident. Throughout the process we forward regular information to members. For cases in litigation we will use specialist defence solicitors.
Professional Indemnity Claims
All claims acknowledged within 24 hours. We will either instruct specialist defence solicitors to liaise with the member or work with them for direct response to the claim. We will also provide an initial liability assessment and regular updates.
Travel & Group Personal Accident
Handled internally, with specialist international emergency assistance where required.
We actively progress potential recovery or contribution from third- parties on applicable claims, including the members’ own deductibles.
Non Mutual Claims
With claims from HMSL cover categories – Motor, Legal Expenses, etc – members’ interests are best served by dealing directly with Insurers. We will provide full contact details and maintain consultation between the insurer and member.