Our Forensic and Complex Claims team brings together experienced Loss Adjusters, Forensic Accountants, Risk Consultants and Claims Specialists. We provide two complementary service offerings: Pre-Loss Risk Consulting and Post-Loss Claims Preparation.
Together, these services are designed to support clients across the full risk and claims lifecycle, strengthening risk understanding before a loss occurs and delivering expert support to optimise outcomes when a claim arises.
Simple Business Interruption declared value assessments: Low cost offering to ensure an accurate and appropriate measurement of the key Business Interruption declared values to minimise any under or over insurance risks.
Comprehensive Business Interruption reviews: A detailed review and modelling of a business’s financial risks and exposures to tailor and refine their insurance program to ensure the effective transfer of risks. Outputs will include detailed reports, quantified risk modelling and coverage options to enable the client to select the appropriate insurance limits and coverage values.
Bespoke Placement Risk Modelling: Bespoke financial modelling and quantum reviews based on client requirements and needs.
Post-Loss Claims Preparation
Claim preparation and support: Specialist support following a major loss to help clients understand their policy response, manage the claims process efficiently, and focus on business continuity and recovery.
Coverage interpretation and stakeholder alignment: Clear communication of available cover to all claim stakeholders to minimise gaps, delays, and disputes.
Data management and claim substantiation: End-to-end management of claim data, including scoping information requirements, analysing financial impacts, and preparing structured claim documentation.
Best-practice claim submissions: Development of robust, well-supported claim models and submissions, and engagement with insurers and appointed experts to support timely claim settlement.
Why partner with us?
End-to-end risk expertise: Integrated pre-loss modelling and post-loss claims support, providing continuity across the full risk lifecycle.
Proven experience in complex claims: Deep expertise across large, multi-jurisdictional and technically complex losses.
Commercial, outcome-focused advice: Practical recommendations designed to protect cash flow, support recovery, and improve decision-making.
Data-driven approach: Robust financial modelling, clear analysis, and well-structured outputs that stand up to insurer scrutiny.
Efficient claims outcomes: Disciplined claim preparation and stakeholder coordination to minimise delays and maximise policy response.
No additional cost: Claim preparation support is typically recoverable under the policy as a claimable expense.
Lockton’s Forensic and Complex Claims team provided exceptional support during a highly complex claim. Their technical expertise, strategic guidance and hands-on approach helped us navigate a challenging process and achieve a well-managed outcome.
Risk Manager, Infrastructure Company, Pacific region
Forensic & Complex Claims FAQs
What is pre-loss risk consulting?
Pre-loss risk consulting helps businesses identify, quantify, and manage potential risks before a loss occurs. Through financial modelling, exposure analysis, and scenario testing, we support informed decision-making and more effective risk transfer.
How does pre-loss risk consulting improve insurance outcomes?
By providing accurate, data-driven insights into exposures and declared values, pre-loss risk consulting helps reduce under- or over-insurance, supports more effective program design, and strengthens discussions with insurers at placement and renewal.
What is claims preparation support?
Claims preparation support is specialist assistance for policyholders following a major loss event. It helps businesses understand their coverage, organise and analyse claim information, and present a well-substantiated claim to insurers.
Why should my business engage expert support?
Engaging expert support ensures the claims process is managed efficiently and effectively. Our team helps clarify cover, coordinate stakeholders, manage data and documentation, and optimise claim outcomes while you focus on business continuity.
What types of claims can you assist with?
We support a wide range of claim types, particularly large or complex losses that involve detailed financial analysis, multiple stakeholders, or nuanced policy interpretation.
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