Valuating Business Group

Business Valuation Solutions

Comprehensive value verification to optimize Enterprise Risk Management

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The importance of accurate business valuation

Inflation, currency fluctuations and organizational growth are just a few challenges when it comes to maintaining credible insurable values. In today’s risk market, it’s not uncommon to see property and BI claims exceed reported values. Generic physical property and BI/CBI values are no longer sufficient to ensure adequate insurance coverage should a loss event occur – and it is essential that risk managers use credible values when making decisions about their operations.

With greater scrutiny on insurance valuations, it often falls to brokers and underwriters to ensure property owners understand the risks of being underinsured and have accurately valued their assets.

Zurich Resilience Solutions (ZRS) can help your company deliver credible physical property, Business Interruption (BI) and Supply Chain / CBI values to help you ensure your assets are adequately protected.

Valuation is an enterprise risk

Accurate property valuation is crucial for profitability and economic stability in insurance. If properties are undervalued, premiums will be too low, making it hard to rebuild after losses. Inflation and market data show many commercial properties are underinsured. Underwriters need precise values to set limits and price programs correctly. Rising premiums and deductibles for business interruption insurance highlight the need for proven business resiliency.

  • Profitability

    Inadequate property valuations cause premium shortfalls, hindering full rebuilding after losses, impacting customers, carriers, and reinsurers.

  • Economic Drivers
    Some sectors face 21% annual inflation in replacement values. Many commercial E&S portfolios are underinsured by 40-60%, based on region and risk.

  • Underwriting Concerns

    Underwriters scrutinize valuations as inaccurate values impact claims. Loss data shows claims exceed reported values, affecting limits and pricing.

  • Insurance Cost

    BI, IBI, CBI premiums and deductibles rise for organizations lacking resiliency. Underwriting capacity is decreasing in these coverage areas.

  • Climate Change NATCAT
    Frequent, severe weather events impact property insurance, challenging underwriting, pricing, and capacity.
     

A unique approach, credible physical asset valuation and business continuity services

Together ZRS and Kroll, a leading risk, financial solutions, and independent valuation services provider, deliver both credible physical asset valuation along with integrated business continuity and supply chain interruption services, helping customers satisfy regulatory reporting requirements, make confident investment decisions, maximize value and manage risk.

The solution provides insight into total valuation to help optimize insurance and Enterprise Risk Management (ERM) strategies. Here are some of the customized ZRS supply chain services and tools that can help you tackle supply chain threats, maintain operational consistency, and protect the bottom line.

  • industry

    Industry Expertise

    Industry specialists who assess and deliver accurate physical asset values.

  • assets

    More Than Physical Assets

    Physical asset values supplemented with credible business interruption/supply chain values.

  • view

    Integrated View

    An integrated view of potential vulnerabilities along with mitigation and control opportunities.

Building business resiliency

We take a unique holistic approach, combining Kroll’s highly regarded physical asset valuation expertise with Zurich’s skilled technical specialists and Business Interruption, Interdependency, and Supply Chain valuation capability.

We can support your valuation journey at every stage, with

  • Hand Check Mark Step 1

    1 Month

    Physical asset Business Interruption (BI) / Contingent Business Interruption (CBI) values verification

  • Workshop Illustration

    1-3 Months

    Valuation Workshop to review valuation verification and develop ongoing process to maintain accurate values

  • Reporting Step 3

    3-8 Months

    Full Valuation Study integrating valuation results with collaborative Business Impact Analysis (BIA), including overview and quantification of all vulnerabilities and mitigation opportunities

  • Customer Feedback Session Illustration

    Ongoing

    Valuation Check-ins with periodic value reviews to ensure valuations remain accurate

Get a Free Consultation

Get a free consultation on Valuation Services

ZRS’s valuation services can be bundled with insurance and risk management solutions or offered as a stand-alone. Contact ZRS today for a free consultation on our Valuation and Business Continuity services. We’ll help deliver credible asset valuations and build a more resilient future for your organization.

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This solution is available in the United States but may not be available in other jurisdictions. For solution needs outside the United States, contact Zurich to be connected with a Zurich Resilience Solutions representative where available.