Manufacturing

When a factory stops, the loss rarely ends with the damaged machine. Stock spoils, orders are missed and fixed costs keep running. We handle manufacturing claims from first inspection to settlement, looking at the physical damage and the trading loss together so that insurers and insureds get one clear picture of what the incident cost.

Our adjusters work alongside engineers, quantity surveyors and forensic accountants, and we have handled claims for cement, flour milling, food processing and packaging businesses across Nigeria.

Specialist Areas

We offer specialist adjusting support in the following areas, including but not limited to:

• Fire and special perils at factories, mills and warehouses
• Plant, machinery breakdown and erection all risks
• Raw materials, work in progress and finished stock
• Business interruption and loss of gross profit
• Burglary, theft and stock shortages
• Goods-in-transit and stock throughput

Our Results in Manufacturing

Fire at a Rice Mill: Business Interruption Claim

A fire at a rice milling factory in Northern Nigeria stopped production for 15 days and destroyed 320 tonnes of paddy rice that was in process. The insured submitted a business interruption claim for the lost production.

We reviewed the claim using forensic accounting and a close reading of the policy, and adjusted it after applying underinsurance, the time excess and the other policy terms.

Coal Mill Fire at a Cement Plant

A fire in the coal milling section of a cement manufacturing plant caused structural, mechanical and electrical damage and disrupted production.

We inspected the site with engineers, quantity surveyors and the insurers, and scrutinised the repair estimates line by line. Average and excess were applied in line with the policy, and late notification and gaps in operational information were addressed in our report, leading to a fair resolution of a large and technically complex loss.