Understanding
average adjusting.

We do not sell or place insurance. We can review your marine risks and insurance arrangements and provide independent observations.

Our work is impartial. We can assist a party with a marine interest regardless of its broker or insurer, and our involvement can continue when those relationships change.

No. Surveyors provide technical expertise about vessels, machinery, cargo and facilities. We draw on their findings and may recommend specialist testing or consulting surveys to establish the cause of a loss and the relevant insurance period.

An average adjustment presents an independent assessment of liability and recoverable amounts using the facts, policy terms and applicable law and practice. It is an expert opinion for the parties’ consideration, rather than a court judgment.

Shipowners, cargo interests, insurers, lawyers and other interested parties may appoint an adjuster. Policy terms may govern the appointment and whether the fees form part of an insured claim. Impartiality remains central to the work.

Average adjusting is a specialised profession. Not every marine loss requires an adjuster, but early involvement can help clarify complex claims and protect the interests of the parties.

A law qualification is not required, and average adjusters do not provide legal advice. Their professional examinations and work require knowledge of marine insurance, maritime law, conventions and relevant precedents.

No. It also includes hull and machinery, cargo, loss of revenue, shipbuilding risks, repairers’ liability, salvage and collision claims.

In marine insurance, “average” refers to loss or damage. The title describes a specialist profession; it is not a rating of the service.

Yes. We can quantify third-party claims, including repair costs, lost revenue, interest and other expenses, and help allocate recoveries. We also assist parties and their lawyers in assessing or responding to a claimed amount.