Why clients choose Main Valuation
- Transfer of Liability: We absorb the compliance risk — not your board.
- Audit-Ready Reports: Built for scrutiny by insurers and auditors.
- Tailored Replacement Values: Aligned with insurance strategy and policy wording.
- Fast, High-Fidelity Turnarounds: When timing matters.
THE ISSUE
Underinsurance:
A Global Business Risk
Many businesses are 30–40% underinsured and don’t realise it until after a loss event. This creates insurer disputes, contentious claims, and financial setbacks.
A compliant valuation isn’t just about documentation. It’s a critical part of your financial strategy.
THE SOLUTION
Transfer the Duty of Care
Engaging a qualified valuer shifts the legal burden from your directors to us. This provides:
- Audit defence
- Reduced legal exposure
- Boardroom confidence
Certified valuations also support governance and uphold stakeholder trust.
Indemnity Valuations
Often used to lower insurance premiums by adjusting for age and condition. Suitable for hard markets.
Replacement Cost Valuations
Used when full reinstatement is necessary.
Optimised Replacement Valuations
Used when assets would be replaced with updated tech or more efficient alternatives.
Let us help you find the right valuation type for your needs
Built for ISR Insurance Requirements
ISR policies protect high-value physical assets (>$10M) and require precise declared values. We build reports that address both material damage and business interruption requirements.
The Consequences of Underreporting Sums Insured
According to Vero, over half of SMEs and large companies are underinsured. This can:
- Trigger coinsurance penalties
- Expose directors to legal risk
- Reduce payout ratios during a claim
What Else Should a Compliant Report Include?
These factors can determine claim success:
- Demolition & Debris Removal
- GST Clarity (inclusive/exclusive)
- IDC (Interest During Construction)
- Allowance for Inflation or Cost Escalation
- Lead Time for Rebuild or Asset Delivery
Frequently Asked Questions
Replacement cost covers new-for-old; indemnity considers depreciation and condition.
Accurate valuations prevent underinsurance, support claims, and help brokers negotiate better terms.
ISR policies are ideal for businesses with physical assets over $10M and cover property damage and business interruption.
Certified Practising Valuers take on the duty of care for declared sums, shielding directors.
Every 1–3 years, or following acquisitions, disposals, or market changes.
Consider an indemnity-based valuation, review your asset schedule, and work with a broker to optimise excesses and policy structure.
Get a Compliant, Trusted Valuation
Don’t leave premiums, compliance or director liability to chance.
Main Valuation. Go with Guidance.
