Insurer-appointed adjusters and panel lawyers are paid by the insurer, and while many act professionally, their instructions and incentives are not always aligned with the policyholder's interests. An adjuster may take a conservative view of quantum, and panel defence counsel may manage a case with the insurer's exposure foremost. For a senior executive, knowing where these interests diverge is essential to protecting recovery and reputation. The report explains how the policyholder relationship with insurer-appointed professionals works in your chosen jurisdiction and industry, the points of potential conflict, the policyholder's rights to information and independent advice, warning indicators of misaligned handling, indicative impact ranges from published disputes, and when to engage independent coverage counsel, loss assessors and brokers.
Reference material for informed readers, not advice.
