What is an independent claims file audit?

It is an external review of a sample of your claims files by a senior practitioner with no stake in the outcome, looking at how each file was handled, reserved and settled, and producing a written, costed fix list. Jam is independent of placement and panel, so the findings reflect your book rather than a supplier's interest.

How is a file audit different from our internal quality checks?

Internal checks look down through the operation and tend to measure the things the team is already targeted on. An independent audit looks across the operation, surfaces the patterns internal reporting misses, such as stale reserves and handover leakage, and gives you an answer that is defensible precisely because it comes from outside.

How long does a file audit take?

It depends on the size of the sample, the data available and the decision you need to reach. We agree a realistic timeline at scoping and hold to it.

Independent claims file audit

An independent claims file audit is a senior, external review of how a sample of your claims files have been handled, reserved and settled, carried out by someone with no stake in the outcome. Jam Risk Solutions runs file audits for UK insurers and brokers who want a defensible read on file quality before a board decision, a tender or a strategy refresh. We do not place your business and we sit on no panel, so the findings are shaped by your book, not by what anyone wants to sell you next.

Part of Claims strategy and performance.

Why it matters

A board pack shows you averages. It does not show you the file that settled well above reserve, the reserve that has not moved since notification, or the handover step that quietly leaks cost on every claim. Those patterns only show up when someone reads the files with permission to look across the operation rather than down through it. In a thin market, a few points of leakage or a slow touch on total loss and credit hire move the result.

If you want a broader diagnostic first, Health Check 360 reads file quality alongside the wider operation.

What is involved

We agree a one-page scope before any work begins: the sample, the questions you need answered, and the decision the audit has to support. We then review the files against handling, reserving, indemnity spend, supply chain use and customer outcomes, and record what we find in plain terms. If the scope changes, we re-agree the page. No open-ended programme, no surprise invoice.

What you walk away with

A written view of file quality across the sample, with the patterns that cost money called out
A costed, prioritised fix list you can act on and defend to a board
A clear read on reserving discipline, leakage and supply chain use

Who it's for

Insurer heads of claims, broker MDs and executive teams who need an independent, senior read on file quality, and acquirers who want a claims eye on a target before a deal closes.

Common questions

Before you engage.

What is an independent claims file audit?: It is an external review of a sample of your claims files by a senior practitioner with no stake in the outcome, looking at how each file was handled, reserved and settled, and producing a written, costed fix list. Jam is independent of placement and panel, so the findings reflect your book rather than a supplier's interest.
How is a file audit different from our internal quality checks?: Internal checks look down through the operation and tend to measure the things the team is already targeted on. An independent audit looks across the operation, surfaces the patterns internal reporting misses, such as stale reserves and handover leakage, and gives you an answer that is defensible precisely because it comes from outside.
How long does a file audit take?: It depends on the size of the sample, the data available and the decision you need to reach. We agree a realistic timeline at scoping and hold to it.

If this is the question in front of you, start with a conversation. Jam today, not tomorrow.

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