Property insurance products

We aim to offer a fast, efficient service and impartial advice to agree the best course of action for each claim.

Our field-based commercial property adjusters carry out face-to-face, on-site assessments for higher value and complex losses.

Our loss adjusting service team has access to RSA underwriting teams and policy details. This allows them to make faster claim decisions and authorise payments to customers. This helps maintain cash flow within our customers' businesses.

We also benefit from the support of external loss adjusting partners. This ensures you have access to specialists when needed.

Find out more about our loss adjusting service.

Claims above a certain size and complexity need a different, often project-managed approach. So our team for handling large and major loss claims is made up of our most experienced specialists.

The team have the skills to manage major events and protect policyholders.

• We put you in touch with a tradesperson from a carefully selected panel
• You pay the cost of any work completed. But where damage is caused by an insured event you can submit the cost as part of your claim
• If the damage is significant, we will put you in touch with our loss adjusting service
• If you call our property team out of hours, you'll be redirected to our out-of-hours provider

We have a network of service providers. From drainage experts to validation and replacement of contents. Your customers can access trusted suppliers offering property services at competitive agreed rates.

We monitor each supplier, tracking progress and costs to help ensure satisfaction for your customers.

Our Counter Fraud specialists blend cutting-edge technology with traditional identification and detection methods.

We play a key role in cross-industry initiatives and are central to all industry forums.

This helps us provide intelligence and insight. Including raising awareness of the impact of fraud. Plus steps that can be taken to protect you, your customers, their reputation and premiums.

We help brokers and policyholders prepare for losses that could have a significant impact on their business.

Our technical claims specialists will:

• Consider potential high-impact scenarios
• Discuss how we would respond, based on the insurance policy
• Explore risk controls to help prevent the incident altogether

Our commercial salvage initiative helps reduce claims costs and the need for new production. This helps save energy and raw materials.

When items are too costly to fix, we team up with salvage partners to assess them for potential salvage.

• Assessment: We'll assess damaged items for salvage potential before you dispose of them
• Free collection: We'll collect any items for free where salvage potential is identified
• Be involved: You have the option to be involved in the bidding for any salvage of value

If you’d like more information or have any questions, please speak to your usual claims handler. Or contact:

Commercial salvage

• promise.propertyclaims@uk.rsagroup.com
• 0330 102 4100