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Assessment of sums to be insured

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Underinsurance, a common trap

Underinsurance is one of the most common traps. Policyholders often discover it just after a loss, when the proportional rule (average clause) is applied.

What we do

RiskEngi carries out the economic valuation of the sums to be insured for direct damage and business interruption.

The benefits of this approach

This approach allows you to:

  • Avoid an incorrect declaration
  • Obtain a waiver of the proportional rule
  • Be compensated on the basis of actual value in the event of a loss
  • Benefit from a discount on the insurance premium
  • Benefit from the assistance of RiskEngi's Expert in the event of a loss

What we assess

  • Buildings and fittings
  • Goods and stocks
  • Equipment, machinery and technical installations
  • Business interruption: gross profit, standing charges and an appropriate indemnity period

The proportional rule in brief

When the declared sums insured are lower than the actual value of the property, the compensation is reduced in the same proportion. For example, if your property is worth 10 million dirhams and you declare only 6 million, you will be compensated for only 60% of the damage, even for a partial loss.

Frequently asked questions

What is underinsurance?

It is the situation where the sums declared to the insurer are lower than the actual value of the insured property. It is often discovered at the time of a loss.

Can the assessment reduce my insurance premium?

Yes. A rigorous economic valuation can allow you to benefit from a discount on the premium and to obtain a waiver of the proportional rule.

How often should the sums insured be reassessed?

After any significant change (investment, extension, new production line, increase in stocks) and periodically, because reconstruction and replacement costs change over time.

What happens in the event of a loss?

RiskEngi's Expert assists you and relies on the assessment carried out to defend compensation based on the actual value of your property.

Request an assessment of your sums to be insured

Tell us which assets are to be assessed: a RiskEngi expert will contact you to prepare the assessment.

Your partner in industrial risk engineering and insurance.

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