The claim was initially rejected by the insurer on grounds of policy interpretation related to Political Violence coverage. Navigating the complex language and exclusions of the policy, while proving direct causation from the conflict event, required specialist intervention.

• Deployed a field team to conduct in-depth site evaluation alongside engineers and fire specialists.
• Compiled extensive documentation including photographic evidence, asset valuations, expert reports, and financial loss records.
• Mapped the incident precisely to the Political Violence clause of the policy, highlighting wartime perils and causation.
• Negotiated assertively with insurers using expert analysis and robust claim justification.

• Claims Advocacy: Frontier demonstrated the existence of a valid claim despite the policy’s retroactive acceptance by presenting overwhelming evidence that the loss stemmed from political violence and direct physical damage.
• Tactical Restraint: Advised the client on how premature legal accusations (e.g., broker fraud) could prejudice other avenues of recovery, including access to the broker’s professional indemnity insurance.
• Interdisciplinary Coordination: Worked in parallel with the client’s legal team to ensure claims submissions and communication strategies were aligned with broader litigation risk management.
• Documentation Pressure: Pressed the broker and insurer to release key loss adjuster reports (McLarens and Integra) and internal communications to clarify their evolving positions.

• Reversing initial claim rejection and secured full payout of USD 2,000,000.
• Enabling the client to restore operations and mitigate further financial loss.
• Reinforcing the client’s confidence in professional insurance advocacy.
• Esablishing precedent for future claims under war and Political Violence conditions.

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