CONTACTS Alessandro Lercari CLL Business Development Via Roma, 8a - 16121 Genoa - Italy Direct dial +39 010 5446471 Fax +39 010 5446475 Mobile +39 339 7271122 E-mail alercari@cl-ita.com
Giuliana D’Amore Sircus Business Development Via Roma, 8a - 16121 Genoa - Italy Direct dial +39 010 5446570 Fax +39 010 5446578 Mobile +39 348 3018944 E-mail gdamore@sircus.it
www.gruppolercari.com
Lercari Group Claims Management and Loss Adjusting Services Proposal
June 2012
NETWORK
Our Group offers a wide range of insurance related services with special emphasis on loss adjusting, loss prevention, claims management services and TPA.
Italy A network of owned offices [ ] covering the entire national territory with a direct presence in the major cities. Additional technical suppor t and consultancy services are provided by Lercari Group through the specialist expertise of surveyors, forensic professionals and technicians well versed in a variety of topics and centrally coordinated [ ].
A large territorial network of offices, both in Italy and overseas, enables us to dovetail with the worldwide facilities of our partners Cunningham Lindsey International to provide the required standard of performance backed up by in depth knowledge of local regulations and market practices. Lercari has been present in Italy for more than 130 years in the insurance market and its consolidated experience ensures consistency and quality of service backed by an internal workforce of around 250 in-house professionals, centrally coordinated by our headquar ters based in Genoa and Milan.
LERCARI GROUP COMPANIES
Rete S.r.l. is an associated company of Lercari Group which operates through a nationwide network of loss adjusters, medical experts and independent technicians. The network is centrally coordinated and supervised to ensure a high standard of services and consistency of performance. n. 74 Loss Adjusting firms all over Italy n. 512 Medical Experts n. 377 Motor Surveyors
Lercari S.r.l.
• Domestic loss adjusting/surveys
Sircus S.r.l.
• TPA and claims management services
Cunningham Lindsey Lercari S.r.l. • International loss adjusting/surveys Contec-Lercari S.r.l.
• Marine surveys and claims management services
San Filippo S.r.l.
• Technical expertise of damages to electrical and electronic goods
GSA S.r.l.
• Accounting and financial Services
CSI S.r.l.
• IT Services
Piramid S.r.l.
• Technological risk management
Rete S.r.l.
• Domestic loss adjusting network
Cult
• Training and culture
Europe and Worldwide Cunningham Lindsey is the second largest loss adjusting operation in terms of turnover and the largest for territorial spread with more than 600 offices and 5600 employees in more than 70 countries.
GENERAL LIABILITY & PROFESSIONAL LINES
P.I. Specialty Division Via G.B. Moroni, 32 - 20146 Milan - Italy Ph. +39 02 45413560 Fax +39 02 45413509
General Liability Via Roma, 8a - 16121 Genoa - Italy Ph. + 39 010 5446570 Fax + 39 010 5446578
GENERAL INFORMATION General liability issues are constantly changing due to the rapid evolution of the legal and operational context. In order to respond to existing and emerging challenges, CLL have developed a policy of continuous upgrading of human and technical resources as well as of IT facilities. Bespoke standard of services require that the loss adjusting structure should be able to effectively liaise with policy holders with a view to establishing appropriate information flow char ts and make available to our customers an adequate team of exper ts suppor ted by extensive territorial networks and state of the ar t IT facilities.
IT SYSTEM Every application for the losses management is built on the basis of the client’s needs: • Lotus Domino IBM technology. • Web access to the system with safe connection SSL by the CLL por tal. • Interconnection (inbound – outbound) to clients’ application, oriented systems through file flat (ftp, mail server) or through web service. • Paper documentation electronic database ( also accessible through web). • Web por tal implementation on php – Sql Server technology CLL and SIRCUS have a modern server farm provided with the newest technology: • Fibre broadband connection between the main office and the branch offices. • Mpls system for the remote offices connection. • Vpn server for external access to intranet area. • Daily backup of the data • Last generation Server Hp
REPORTING Reports on losses as well as updates on the legal proceedings will be submitted in English in compliance with Insurers’ guidelines.
BORDEREAUX
CLL Italy can rely also on a team formed by exper t lawyers and technicians in the insurance field, of Lercari Group Liability Division to provide loss adjusting and consultancy ser vices for all Liability branches, in relation to frequent and substantial losses.
A dedicated qualified paralegal will update the bordereaux and manage the accounting aspects under the supervision of the team leader and the loss adjusters.
Therefore CLL and Lercari Group Liability Division offers a full range of management and loss adjusting ser vices including Professional Indemnity, Professional Liability & Medical Malpractice, TPL, D&O, Employer’s Liability, Product Liability and PI claims.
TEAM
Our extensive technical resources and longstanding experience of the market also enable our Group to effectively address the PI field in technical sectors (Engineers, Architects, General Adjusters’ Liability) and in professional ones as Lawyers, Medical Doctors, Accountants, Notary , Software Designers etc.
Our company is strongly investing in this department that we consider strategic for the Group.
Cunningham Lindsey Lercari, the international arm of Lercari Group and a specialist organisation in the management of international programmes, makes available to its customer the access to local expertise and in depth knowledge of legal backgrounds and jurisdictions, through one of the widest worldwide network and its own Italian network. Our offer incorporates different business solutions covering severity and frequency losses, bordereaux preparation, the issuing of reports in foreign languages to the benefit of direct carriers and reinsurance companies.
Up to date our staff is composed by a team of more than 40 persons (excluded management team) in our offices in Milan and Genoa.
Other related activities are: • Deductible recovery • Bespoke borderaux and statistics • Recovery actions management
MEDICAL MALPRACTICE
OUR UNIQUE SELLING POINT
Our staff is skilled in handling Med-Mal losses of all types: Hospitals, Healthcare Entity, Clinics and Doctor Professional policies.
Cunningham Lindsey Lercari
Our loss adjusters working on these type of losses have all a legal background. We are currently handling Med-Mal binders for Lloyd’s Syndicates. We receive directly notification of new losses from the London Broker or the local broker and then carry out the following activities: • Documents examination in order to: - Evaluate the Insurance validity period (claims made, retroactive date- discovery period) - Evaluate of the Insured liability - Evaluate the possible Cour t of Settlement in case of Civil Proceeding pending • Fur ther documentation request; • Monitoring the Civil and Criminal proceedings and appointment of Lawyers to defend Insurers interests in case of Lloyd’s call in the action; • Appointment of a Medical exper t; • Issuing of monthly bordereaux with the details of all the new notifications received and updates on the other losses; • Individual repor ting for losses over € 25,000, for losses with civil or criminal case pending or for “death cases”; We have a Medical exper t network throughout Italy.
TECHNICAL COMMITTEE Central Medical Advisors Central Insurance Advisor Legal exper ts: • In-house lawyers, who provide legal opinions and handle the settlement activities of out of Cour t losses. • Network of skilled Legal Consultants and economical agreements with major Law Firms based in Genoa, Milan, Rome, Naples, Torino and others, who can also defend Underwriters’ interests in Court. In case Underwriters have already instructed their Lawyers for the litigation aspects our staff can monitor the pending legal proceedings by providing regular updates and by checking the congruity of the appointed law firm legal fees.
In 1999 the founding members, CLI and Lercari , formed a new company incorporating a wealth of existing experience and traditions. Afterwards CLL has begun to grow up independently, but never alone. The CLL key factor in terms of successful claims management largely depends on the par tnership with the Lercari Group companies which ensures solid professional competence and qualifies the exper tise and technical skills of our staff, with a workforce of around 250 in-house professionals, centrally coordinated by our headquar ter based in Milan and Genoa. The Group has been active for more than 130 years in the Italian insurance market and its business model is based on process segmentation between exper ts and supervisors prior to the delivery the repor ts. For each case the necessary skills are identified in a targeted way according to the characteristics of the claim to manage. Whenever possible, internal resources are employed and the bulk of preparatory work is done in advance of resor ting to external consultancy with a view to keeping costs to a minimum. Our internal staff is complemented by a large network of external consultants that covers any possible business line (medical, legal, commercial, accountants, engineers, company law, D & O, Liability, BBB, etc). Accurate selection of service providers incorporates such features as proved competence, reputation for integrity and the ability to offer a wide range of professional and economic solutions at competitive terms. Selection is operated by our specialist depar tment taking all the above fully into account so enabling us to submit to our Principals attractive and economical packages. As a result of the above: • we provide the added value of the sum of two capabilities , claims management and Surveying; • we offer tailor-made claims management schemes of high quality which compare favourably with those available from most of our competitors covering all lines of direct and reinsurance business. We do not consider ourselves infallible but we will do our utmost l to minimize any margin of error. We do not think we are necessarily better than others, but we trust in our capability, and in all of those who work with us.
We do not sell the product of one person, but the work of a team.