Business Owners
Experts on your side
We appoint our fully vetted contractors to complete repairs to your business property. Having trusted contractors on hand is key to returning your property to its pre-loss condition as swiftly as possible and with minimal disruption.
Over the years, we have built a large network of specialist contractors, from leak detection services to asbestos removal and drying specialists or oil spill contamination. Our established relationships allow us to use the right people for the right job.
Experts on your side
We appoint our fully vetted contractors to complete repairs to your property. Having trusted contractors on hand is key to returning your property to its pre-loss condition as swiftly as possible and with minimal disruption.
Over the years, we have built a large network of specialist contractors, from leak detection services to asbestos removal and drying specialists or oil spill contamination. Our established relationships allow us to use the right people for the right job.
How we help Business Owners
Assessing the Damage
One of our Loss Assessor’s will visit you at the damaged property. We understand that you are busy, therefore, we book a specific appointment time to suit your needs.
Once you have reviewed and signed the mandate, we assess and document the damage to your property. Without relevant experience, most people can only make assumptions on what building works are required to return the property to its pre-loss condition. Our network is trained to check for potential damage in places you may not think to look.
Dealing with your Insurer Directly
Commercial buildings insurance policies can be complex. Lack of knowledge surrounding policy terms and conditions means some property owners may find it challenging to present their claim, especially where technical terminology is used. At Aspray, we have the knowledge and experience to interpret the policy wording and negotiate the claim, ensuring that nothing is missed out.
Unfortunately, your policy may be open to interpretation meaning claims may be settled at a lower value or even repudiated. For no cost, we will review repudiated claims to check whether the insurer’s decision was correct and advise whether we can help with your claim.
Instructing Aspray ensures you have an experienced representative to help you navigate your policy; someone on your side to handle all communication and negotiation with your insurer and gain the settlement you are entitled to. We will take the time to understand the needs of your business and keep you updated throughout the claim, giving you the confidence that the interests of your business are being taken care of.
Business Interruption & Content Claims
Experiencing damage to your business premises often brings about other types of claims, not just the building reinstatement. Your Aspray Loss Assessor may also be able to help with your business interruption or contents claims that may arise as a result of the property damage. Call our claims team at head office who can discuss this in more detail.
Check out our latest successful claims:
What is the Cost?
Unlike some Loss Assessors, we can manage the whole claim right through to completion and there is no charge to the policyholder for our loss assessing service, providing we can use our vetted contractors to carry out the reinstatement works. However, any excess stated within the policy will still apply and is payable by you, the policyholder.
If you are a VAT registered company or individual, please be aware you are responsible for paying the VAT of the settlement, however, you can claim this from HMRC on your next VAT return.
Has your property been damaged? Contact Aspray
Project Managing Contractors
Without Aspray, you, or one of your employees, will have to take the time to source, instruct and manage contractors to complete the reinstatement works. Not only does this take time away from your business, but this puts the responsibility of checking the quality of the contractors firmly with you.
If your claim requires more than one contractor, you become responsible for the health and safety of the contractors whilst they work in your property under the Construction (Design and Management) Regulations 2015 (CDM 2015). This includes planning, managing, and monitoring any risks and preparing a Construction Phase Plan. By instructing Aspray, we become the principal contractor therefore taking that responsibility away from you because we manage the health and safety of contractors when they are working in your property on your behalf.
Your insurer is not responsible for poor workmanship.
Using quality contractors is essential.
We only work with Vetted Contractors
Getting the Right Contractors for the Job
Keeping your Satisfaction in Mind
Our Services
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Our Services
Fire
Flood
Water
Storm
Impact