Frontier Insurance

Overview

Following a suicide bombing at a major Baghdad shopping mall, the owners faced massive structural damage and business interruption.

The insurer initially offered a nominal settlement of USD 250,000. Frontier was brought in to assess the losses, validate the policy coverage, and negotiate a fair resolution.

Challenge

The sensitive nature of the incident involving fatalities, high media coverage, and extensive fire damage meant navigating not only financial losses but emotional and regulatory complexity.

Proving the link to Political Violence provisions and working in a high-threat environment further complicated the claim.

Our Approach

Frontier's Approach

Conducted comprehensive on-site evaluations assessing property and business losses.
Compiled detailed architectural, financial, and legal documentation including expert fire and engineering reports.
Cross-referenced the suicide bombing with Political Violence provisions and documented authority reports.
Negotiated a revaluation of the claim using policy interpretation and robust loss substantiation.

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Strategy

Outcome

Frontier succeeded in:

Securing a USD 3,000,000 settlement after initial offer of USD 250,000.
Helping the mall owners resume operations and rebuild public confidence.
Positioning Frontier as a trusted expert in Political Violence claims across Iraq.
Demonstrating capability in sensitive and emotionally complex insurance environments.

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Takeaways

Key Takeaways

Initial lowball insurer offers can be significantly improved with professional intervention.
Accurate and compassionate claim handling is vital in cases involving human casualties.
Working in post-conflict areas demands both expertise and logistical coordination.
Insurers respond to evidence-driven advocacy grounded in deep policy knowledge.

Advocating a Multi-Million-Dollar Settlement for a Bombed Mall in Baghdad