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Claims Defensibility Review

Poor claims defensibility increases costs, requires additional resource and can result in a failure to meet claims’ protocols. An organisation with poor claims defensibility is a less attractive prospect for insurers.

What is a Claims Defensibility Review?

A Claims Defensibility Review is a process of assessing an organisation’s ability to defend a civil claim for compensation arising from a public or employers’ liability claim.

A defensibility review will identify weaknesses in an organisation which can result in the payment or settlement of claims. It will also recommend changes to improve the ability to successfully defend claims and introduce effective measures to limit damage to the balance sheet.


What are the benefits?
Undertaking a Claims Defensibility Review will benefit an organisation by:

  • Identifying improvements in policies, procedures and claims related documentation
  • Improving the ability to defend claims through implementing recommendations
  • Ensuring documentation and evidence is gathered to support a successful defence
  • Improving compliance with claims protocols, helping to save time and money
  • Improving the ability to make early decisions on liability and save costs where claims cannot be defended
  • Reducing the cost of claims together with insurance premiums
  • Making an organisation more attractive to insurer

Contact us:

For further details please contact your local Willis Towers Watson office.

Claims Defensibility factsheet:


Case study:

A large food manufacturer approached Willis Towers Watson when they began to experience spiralling employers’ liability claims and increasing premiums.

Willis Towers Watson conducted a Claims Defensibility Review which highlighted weaknesses in the company’s policies, procedures and documentation.

As a result many claims, including several that were substantial, were defended or settled for less than originally claimed, which subsequently led to a premium reduction of £70,000.

Additionally, the number of fraudulent or exaggerated claims, which had historically been a problem for the company, declined.

The review recommended work in a number of areas including risk assessments and accident investigations. The organisation implemented the recommendations, which formed the basis of their risk management programme.

The organisation’s insurers found they could dispute liability effectively, helping to cement existing relationships with underwriters who saw commitment from the business to risk management through implementation of the review.