Claims due diligence
Claims due diligence is an independent, claims-led review of a target book or business before an acquisition or investment, focused on the parts a financial model tends to smooth over: reserving adequacy, leakage, supply chain terms and the true cost of customer outcomes. Jam Risk Solutions provides due diligence support to insurers, investors and acquirers who need to know whether a target's numbers hold up. We work on both the buy side and the sell side.
Why it matters
Deal activity in UK insurance is rising, and in a polarised market more books are changing hands where claims quality varies widely. Reserving, leakage and supply chain terms decide whether a target's numbers are real or overstated, and they are hard to read from a pricing pack. That is a claims question, and it is best answered by someone independent of the deal.
For the market backdrop, read What EY's 2026 motor results mean for the claims function.
What is involved
We agree a one-page scope against the deal timetable, then review the claims function of the target: reserving discipline, leakage, supply chain concentration and terms, and the cost behind reported customer outcomes. We report in plain terms, in time for the decision.
What you walk away with
- An independent read on where value sits and where the exposures are, before the deal closes
- A view of reserving adequacy, leakage and supply chain risk a financial model will not surface
- A defensible claims position to take into negotiation
Who it's for
Owners, boards, corporate development teams and investors buying, selling or investing where claims and supply chain risk sit at the heart of the value.
Common questions
Before you engage.
What is claims due diligence?
- An independent, claims-led review of a target book or business before a deal, focused on reserving, leakage, supply chain terms and the real cost of customer outcomes, the areas a financial model tends to miss.
Do you work for buyers or sellers?
- Both. We provide independent diligence support on the acquisition side and the sale side, so either party can go into the deal with a defensible claims view.
How does this fit a deal timetable?
- We scope to the timetable at the outset and deliver in time for the decision. The point is a clear, independent read before the deal closes, not after.
If this is the question in front of you, start with a conversation. Jam today, not tomorrow.
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