Insurance

Be Confident that you have the Right Level of Insurance for your Capital Assets

Avoid the pitfalls of being underinsured or overinsured with precise asset valuations from Hickman Shearer. Ensure that capital assets are adequately and correctly valued for insurance, including:

• Buildings
• Utilities and building services
• Plant and equipment

Obtain the advice you need to understand the differences and implications of cover for:

• Indemnity
• Reinstatement

Protect Your Assets

In the event of a loss, claims may be subject to an ‘average clause,’ meaning the full reinstatement cost might not be recovered. Additionally, overinsured assets can lead to inflated premiums, impacting your operating costs. Our expert valuations help you insure your assets reflecting their true value and risk.

Asset valuations for insurance requires specialist skills to:

• Reflect relevant clauses within your insurance policy and only include the assets where you have an insurable risk
• Include or exclude, as appropriate, landlord and tenant building fixtures, rented assets and assets located at third party premises
• Provide valuation figures summarised globally, by location or by building
• Disaggregate total values by a minimum value threshold or asset type

Elsewhere we take into account additional reinstatement costs and fees, ensuring you’re fully covered.

Your quality guarantee

Understanding capital asset valuation issues, especially for insurance, requires insight, expertise, and experience. Hickman Shearer is a RICS-regulated firm with highly qualified professionals who have a proven track record in delivering:

• Robust and relevant asset valuations
• Detailed market analysis
• Technical guidance and impartial, authoritative advice

Our team’s globally recognised standards ensure a trusted and consistent approach to asset valuations for insurance, providing you with peace of mind and financial security from our expert asset valuations that protect your investments and optimise your insurance coverage.

Get an Estimate of the Reinstatement Cost of your Assets