Our comprehensive Value at Risk service provides an accurate, evidence-based assessment of household or business contents to ensure they are insured at their correct and current value. This approach helps clients and policyholders avoid the financial consequences of underinsurance or overinsurance by aligning declared values with real-world replacement or market values.

This service is ideal for insurers, brokers, underwriters, homeowners, tenants, business owners, and asset managers seeking precise and reliable contents valuations for a variety of purposes.

Our on-site assessment service provides a thorough evaluation of items impacted by peril-related damage, conducted directly at the affected location. This hands-on approach enables our expert teams to accurately appraise the condition of contents and facilitate immediate triage.

During the assessment, each item is carefully inspected and categorised into two primary classifications:

Restorable: Items that can be effectively cleaned or repaired.

Beyond Economical Repair (BER): Items for which the cost of restoration exceeds their value, necessitating replacement.

We provide a comprehensive contents validation service covering furniture, artwork, general household contents, rugs, and soft furnishings. Our expert evaluators assess each item to determine accurate replacement values in comparison to potential restoration costs.

This detailed validation process empowers our clients with clear, data-driven insights, enabling fully informed financial decisions throughout the claims process. By evidencing the cost-effectiveness of restoration versus replacement, we help optimise claim outcomes and minimise unnecessary expenditure.

We offer a fully integrated, in-house contents restoration solution, supported by an extensive 8,000 sq. ft. of dedicated workshop facility. This allows us to expertly manage all aspects of household contents restoration with efficiency, quality, and care.

Our state-of-the-art facility and skilled technicians enable us to provide a broad range of specialised restoration services, including: General Contents Restoration, Art Restoration, Wood Restoration, Rug and Upholstery Cleaning, Textiles and Dry-Cleaning Facility.

Our business model is exclusively focused on claims-led operations, enabling us to provide a specialised, uninterrupted service 52 weeks a year. We currently operate over 40,000 sq. ft. of secure internal storage space.

Our storage capabilities are designed to accommodate a wide range of claims requirements, including 24/7 security and surveillance, climate-controlled environments (both heated and cooled), dedicated storage for Beyond Economical Repair (BER) or contaminated items.

When a policyholder’s home is damaged and building repairs are required, they may be reluctant to have their personal belongings removed and taken offsite. Modular storage containers offer a practical and reassuring alternative to offsite storage. Many policyholders feel uneasy about their possessions being moved to external storage facilities. With modular containers, their contents can be safely and securely stored onsite. Designed to fit areas with limited access, these containers are easily carried through side access and can be assembled in rear gardens.

We provide a responsible, claims-focused salvage service designed to align with both financial and environmental priorities within the insurance industry.

Following a claims-led event, our team assesses all potentially salvageable items of value. Where recovery is viable, we aim to offset part of the financial loss by maximising the residual value of these items, supporting insurers in reducing claim costs without compromising service quality. In cases where salvage is not possible or practical, we ensure that items are disposed of through the most ethical and environmentally sustainable channels available.