Insurance Archaeology is the reconstruction and analysis of old insurance coverage. It offers the potential for the re-discovery of lost insurance documents that may respond to recently asserted claims. “Long-tail” or “latent injury” claims may ultimately threaten entire enterprises. Such threats fade with the successful reconstruction of the historical insurance asset.
In the 21st Century, the insurance industry has softened its stance of the late 1980s and 1990s of excluding coverage for risks that may give rise to latent injury claims. Even considering so-called “prospective” insurance products however, which may in any event be prohibitively expensive, it is still critical that old years are researched and documented.
To achieve that objective, we consider it important to be students of insurance history and we have made it our business to know the insurance industry relationships that were forged in the past and used to effect insurance cover in the United Kingdom and Internationally.
We know who retained records and, perhaps more importantly, who the current custodian is. We have built up a rapport with personnel in the insurance broking ‘fraternity’. If you purchased coverage in the London Market, we have personal contact with pertinent records sources and can obtain access to unique documentation in an expeditious and cost effective manner.