Claims book review

The claims book review is the sitting most brokers ask for when a renewal, a treaty meeting, or a reserve committee is already on the calendar. It is meant for a motor, property, or mixed book that someone in the office already knows by feel, but that no one has had time to draw so a visitor can follow it.

Who it is for

Claims managers inside a Georgian insurer, independent brokers taking a binder to underwriters, and small regional books that sit in Imereti or along the Black Sea and are easy to misread from a Tbilisi summary. If you have fewer than forty open files and no large loss, say so — a full review would be heavier than the book.

What you receive

A bound briefing (Georgian or English, as agreed), a one-page sheet for the meeting table, and a two-hour walkthrough of the ten files that account for most of the movement. Charts show paid against outstanding, age of open claims, concentration of large losses, and reopenings. They are drawn from your listing; we do not invent a second set of numbers.

What is in scope

Open and closed claims for the period you name, usually the last twenty-four months plus any older large loss still open. We read handler notes where they exist, reserve changes, recoveries posted, and dates of first notice. Motor windscreen clusters, water-damage spikes after a wet winter, and liability files that have changed handler twice are the sort of pattern we look for.

What we do not do

We do not settle, negotiate with claimants, instruct a loss adjuster, or replace your claims staff. We do not give an actuarial sign-off or a capital figure. If a file looks under-reserved, we say so as a reading of the papers, not as a second reserve you can book without your own actuary or auditor.

How the weeks run

Week one is a file-list check and a short call so we do not chart the wrong line of business. Weeks two and three are reading. Week four is the pack. Week five, if needed, is the sitting in Kutaisi. Large books, or files that arrive in mixed Georgian, Russian, and English, take the longer end of the range.

Constraints

Confidentiality is written before the first listing leaves your office. We work from copies, not from your live claims screen. If a reinsurer’s bordereau is the only listing you have, we can still read it, but we will say what a bordereau hides — handler comments, partial payments, and the reason a file reopened.

Next step

Send the line of business, a rough open-file count, and the date of the meeting you are writing for. We reply with whether a full review, a settlement-pattern briefing, or a large-loss walkthrough is the honest fit.