5 Reasons Why Business Continuity Plans Fail

A Business continuity plan is imperative in running a business. It is really important for a medium to large organization to have a business continuity plan in order to ensure the smooth flow of all the operations in all departments of the business.

When it comes to disaster management, business continuity is always an important topic to learn from.

A business continuity plan is crucial for post disaster or emergency for a company otherwise there could be huge losses for a company. But there are times when people just can’t handle it and fail miserably in carrying out a business continuity plan.

Here are 5 reasons why your business continuity plan can fail. Avoid these pitfalls and you will most likely be disaster proof.

  1. Wrong estimations

This is a common theme among all the failed business continuity plans out there. Many times, managers and executives don’t think things through and make really unrealistic expectations in making a plan. They assume that things that require electricity or power will be working should any emergency were to take place. But to the contrary, these are the first things that get ruined during disasters such as floods, earthquakes, storms etc. The best thing to do is to have a backup server for your business. These days everything is cloud based anyway so you can easily recover any important data that might have been lost in the office.

One of the most common misconceptions by people is that they think they live in a disaster free area where nothing can go wrong. You can’t be sure of anything so it’s better to have a business continuity plan just in case.

  1. Not being prepared

Always have safety and emergency kits at hand or easily accessible in the company so that if there is any emergency, the chances of recovery are quick and higher. A fire extinguisher should be in multiple places on every floor. Encourage your employees to have their own medical kits with them in their cars and also give them those where they can keep it in the drawers of their desks.

  1. Not having survival accessories

Having a backup server is all good but you need additional things that will help you to be in contact with your workers. You would need extra batteries, rechargeable flashlights, water and food supplies etc. if the area where you work is evacuated then there is all the more reason for you to need these items. Have a list of all the contact numbers of you workers so that you can reach them whenever you find the means to do so.

  1. No testing

It is good to have a business continuity plan, but it is great to have it tested out so that you are aware of any discrepancies or holes that need to be filled out. You need to have a fool proof plan and in order to have it, a drill or rehearsal for an emergency situation is the key.

  1. Not shared with everyone

A good business continuity plan is always shared with everyone. There is no point if it is lying around with only one person.

Understanding the Duties of an Insurance Assessor

The role of an insurance assessor is essential in the handling and processing of protection claims. People who file claims usually know nothing or very little about the significance of their role and only try to contact them after a disastrous event or when they need a protection guarantee.

We have chosen to share a few experiences on this profession and their role, to give a more detailed comprehension of what they do and why their role is significant.

It is essential to know that there are diverse ways that insurance agencies approach the administrations of insurance assessors. There are two types of insurance assessors:

  1. Assessors who are not affiliated by a particular organization; they outsource their services to insurance agencies and intermediaries.
  2. Assessors employed and designated by an insurance agency.

Difference Of a Loss Adjuster And Insurance Assessor

Most people cannot differentiate between the roles of a loss adjuster and insurance assessor. Both terms are generally used interchangeably, despite the fact that they have their own specific job profiles serve different purposes.

A Loss Adjuster is hired by the insurance companies. They will to guarantee that your policy is understood and how it can affect the claim that the party has filed.  They generally attempt to make it possible for the insurance companies to pay fewer sums for the claims filed.

A loss Assessor is an expert contracted by the individual documenting the claim with a specific end goal to ensure that the claim gets processed with an effective and justified result. For this, loss assessors take care of all the customs and measures that are required for a guaranteed settlement. A good insurance assessor can play significant role to get the amount you require and will work with you to document the claim. They will likewise cater to your queries and requests and guarantee that you get a lawful experience.

So these are the basic differences between insurance assessors and loss adjusters.

Duties Of Insurance Assessor

An insurance assessor works on the behalf of the claimant. A claimant approaches an insurance assessor to evaluate the accident or the mishap that has affected their insured property. For the property to be assessed and the claim to be filled, it is necessary that your property has a monetary value. Insurance assessor starts with evaluating the property and checks it for the damage done to it.

For example, if a house caught fire and had been damaged, the insurance assessor would go and evaluate the house, check its monetary value, evaluate the damages done, and decide if they are claimable. Once he is done with collecting the evidence and related information, he makes a report of the case and sends it to the insurance company on the behalf of the claimant.

The insurance assessor will see if the insurance company is covering the damage that the client has filled for. If they are, then the insurance assessor would see who is responsible for the fire incident and look for ways to compensate the claimant for the damage done. He also negotiates on the behalf of the claimant and makes sure that the case is properly.

4 Reasons to Have Your Home Insured

Everyone wants to sleep in a home knowing that they are safe from any mishaps that could occur or any disasters that might befall them.  Nobody wants to wake up the next day knowing that there has been damage done to their property either by a person or by the weather now do they? So why should you be any different. You need to ensure the safety of not only your house but in doing so; you will protect your family as well.

That is why it is really imperative to get a homeowner’s insurance that you can claim, should anything wrong happens with your property. Insurance for your home is a great investment that you will make and you won’t ever regret your decision. There could be a number of reasons why you might need one. You can look up how much insurance  money you can claim from companies by looking up an insurance calculator online or getting it checked by companies such as Clearys for a better estimate.

Here are 5 reasons why you need to get insurance for your home.

  1. Protecting your assets

If you have invested so much in your house such as building a patio, an outhouse, remodeling  the kitchen etc then a home owner’s insurance is your safest bet in protecting your assets.  If something wrong happens, at least you will have an insurance to claim from a company. You can easily find out how much insurance you can get by checking out from an insurance calculator online or from an insurance agent

  1. Temporary housing

Many insurance companies also offer temporary housing to people if their house is ruined or impossible to live in due to the extreme property damage. So while your house is being repaired or reconstructed, you can always have a nice place to stay in. This ensures not only your safety but comfort as well. Although it might not provide you the same level of comfort as as your home but at least you will have a roof to live under. Find out from your insurance agent if they offer temporary housing and also how much you can claim after property damage. Using an insurance calculator will also help you get a rough estimate.

  1. Mortgage

Most of the banks need you to have your home insured in order for you to get mortgage. This is a safety net for them as well as for you and also gives you credibility in front of the bank. If you have insurance then you can easily get a loan approved by the bank. Insurance policies differ from company to company so you can use an insurance calculator to help you determine the best one for your home.

  1. Natural disasters and accidents

The weather can be really unpredictable so you better not take a risk for your nicely built house to be wrecked in just a few hours by a storm, floods, earthquake or even accidents such as a fire. Find out how much you can claim on damaged property through natural disasters by using an insurance calculator.

Difference Between the Roles of a Loss Adjuster and Loss Assessor

This role is relatively new in the terms of the definition, as not many people know about the actual significance of a loss adjuster. In older times, when the insurance was a new phenomenon,  insurance companies used to hire an intermediary who could assess the authenticity of the claim and pay them a little fee for their services. However, as the profession evolved, the role of a loss adjuster has become important, which is why this blog focuses on what a loss adjuster actually does, to highlight the importance of their role.

What Do They Do?

Whenever there is an accident, a fire, a robbery or an incident that causes damage to the property, people file a claim if they have gotten their property insured earlier. To verify the claim and determine the degree of damage done, and subsequent steps required to file the claim, a loss adjuster is hired. A loss adjuster recommends the insurance companies how much is to be paid on the basis of the policy coverage. A loss adjuster works on behalf of both the parties and is impartial.

They also assure the claimants that their claim will be processed smoothly and without any biases.

  • They investigate the event and assess how the incident took place.
  • They negotiate with both parties, and take interviews of the witnesses, gather statements and settle claims according to the policies.
  • They calculate the value of the property, make guidelines for making a claim, calculate the losses, and check if the claim can be quantified.
  • They participate in trials, meetings, and act as a mediator.

Here are some other roles that a loss adjuster plays within their respective field with more or less the same duties:

  • Claim adjuster
  • Claim specialist
  • Property adjuster
  • Liability adjuster
  • Accident loss adjuster
  • Catastrophe adjuster

Often time, people make the mistake of mixing up the role of loss adjuster and loss assessor. The difference between these two is very subtle.

Who Are Loss Assessors?

A loss assessor exclusively works on behalf of the person who is making the claim. He makes sure that your property is valued and the losses are properly covered. He is more like an attorney to you who legally represents you when you are making the claim so you get the value you deserve. The basic duties of a loss assessor include:

  • Representing the claimant to the insurance company, setting meetings with the loss adjusters.
  • Drafting and finalizing the claim on behalf of the person who has suffered the loss.
  • Negotiate with the loss adjuster and the company to make sure the value settled is fair.
  • Handle the cases, which are complex, or those which the insurance companies have earlier refused to take due to complications in the process.

Claims Assessors – What Are They?

The deceptive compensation culture of Ireland is a major concern for the country.  On the other side, there’s a profoundly held sense that the abundance of the compensation claims makes life tough for businesses, while there’s a conviction that a simple recourse to the civil justice for malpractice victims can be a great thing.

Whatever view you take, the advent and rise of the companies that specialize in claim management and professionals who are called claims assessors add fuel to the discussion. The role of the claims assessors isn’t defined legally. In most cases, the terms “claims assessors” & “claims management company” are interchangeably used. The purpose of these two is to assist the consumers when it comes to creating compensation claims.


Maybe, the most important distinction between the management companies and claims assessors is their usage of the legal professionals. The latter would usually employ the solicitor, whether they’re a 3rd party or in-house. On the other hand, the assessors tend not to employ legal professionals and take the entire process on their own.

That sounds like a major drawback which is not essentially the case. A reliable claims assessor must be capable of handling the case proficiently and at times, more affordably compared to a firm that works with a solicitor. While they tend not to work with a solicitor, the claims assessors wouldn’t be capable of taking legal action on the client’s behalf. As an outcome, you will essentially employ a company to negotiate for you with the party against the person whom you’re making a claim.

This particular negotiation is a type of ADR or Alternative Dispute Resolution and that means it offers a potential manner of solving the civil disputes with no complete legal proceedings. There are numerous advantages of negotiation of this kind. Basically, the cost is reduced considering the need for the solicitor has been removed. Second, the claims are intended to be dealt with on a timely manner and that is because of the long waiting listing for courts.


On the other hand, there are significant drawbacks to the negotiation process on employing claims assessors. The negotiation isn’t guaranteed to come up with a pleasant result in the end. It depends on the principle in which the two parties come to an agreement that is mutually acceptable.

Obviously, it fails at times. When this happens, but you would like to go on with your claim, the solitary way of doing so is over the courts and the claims assessor wouldn’t be capable of doing it for your benefit. Therefore, you may end up paying more than if you used the services of a claims management firm with a solicitor right from the very beginning.

The payment for claims assessors is also a potential drawback. Many assessors work on the basis that they will get paid from a compensation award or else they’ll receive nothing. It drives them to work hard and make sure that their clients win, resulting in the negotiation being favorable for both parties.

When you want to work with claims assessors, you must always take time to check that the firm or the professional you may deal with is licensed and registered before you start contacting them. Contact the renowned Clearys.ie to see if they are the best option for you.

The Roles of a Loss Assessor

A loss assessor is the one appointed by a policy holder if they need to submit a complex or substantial claim. All of the fees are then paid by a policy holder. If you’re a policy holder and you have to make an insurance claim, a professional loss assessor would help you in managing your claim in general, right from beginning to end.

He or she can help in each step of the way, from preparing the paperwork all the way to more practical factors of the entire process. A loss assessor always strives to make sure that you gain the most equity and best settlement. One could be called on to assist with all manner of the loss-associated insurance claims.

Maybe, your property or your business was damaged by calamities like flood, storm, fire or subsidence. Or, burglars entered your home and robbed irreplaceable items. Whatever the case, a highly qualified and certified loss assessor would work for your convenience to make sure that you gain the settlement you’re entitled to.

What Makes a Loss Assessor Different from a Loss Adjuster?

Generally speaking, a loss adjuster works on the insurance company’s behalf. On the other hand, a loss assessor solely works and gets involved in the process for your advantage. A loss adjuster is the claims specialist who may be called upon through an insurance company for investigating a contentious or complex claim.

A loss assessor is responsible and accountable for establishing the reason of the loss and determining if it’s included in the coverage of your current insurance policy. Thus, they’ll visit the location of the issue so as to obtain evidence and assess the extent of damage. When they’re done, they’ll present a report to the insurance company, recommending appropriate payment which is based on their perceived claim’s validity.

Since they’re in the pay of the insurance companies, the loss adjusters may actively work to ensure you get the lowest settlement possible. They’re ostensibly employed to look for evidence which can disprove your claims. In that case, it’s very important to make sure that you have hired an experienced loss assessor to fight for your privilege.

The Roles of a Certified Loss Assessor

A chartered loss assessor would manage each aspect of the entire claim process. He or she will meet the representatives of the insurance company or their hired loss adjuster to negotiate the greatest claim payment for you.  A loss assessor would also be contacted to assist in some cases where the insurance firm has rejected a claim or if the settlement has been delayed.

A loss assessor is also responsible for preparing your claim and will start to talk to the representatives of the insurance company or loss adjuster to help you get the best possible settlement of the claim. He or she is overall responsible for ensuring that your fight for your justice will not go unrewarded.