About ICSG LTD
At ICSG LTD, the focus is on helping individuals and businesses manage insurance claims following loss or damage. The process can be complex, time-sensitive and document-heavy. We provide structured support to help policyholders identify insured losses, gather supporting evidence and present their claims properly.
What is loss assessment? It is a professional service for the policyholder after an insured event — fire, flood, theft, accident or business interruption. A loss assessor helps you review the policy, assess the extent of the loss, organise evidence, quantify the claim, prepare documentation and engage with insurers and their representatives.
Key point: a loss assessor acts for the policyholder. A loss adjuster is usually appointed by the insurer.
Our mission
To provide professional loss assessment services that help policyholders prepare, substantiate and progress their claims under the terms of their insurance policies.
Our areas of experience
Fire and property damage, business interruption, burglary and theft, motor claims, marine claims, and life insurance claims.
What sets ICSG LTD apart
Thorough documentation
We emphasise evidence gathering and organised records — complete documentation can materially improve the efficiency and quality of a claim.
Clear communication
Practical updates and plain-language guidance through notification, insurer engagement and settlement discussions.
Policyholder focus
We act to support the insured in preparing and advancing the claim, with attention to policy wording and limits.
Breadth of experience
Support for individuals and businesses across a range of claim types in the Ghanaian insurance environment.
Why choose ICSG LTD?
Many claims are delayed, reduced or disputed when losses are not fully documented or properly presented. Structured loss assessment helps ensure your claim is supported by clear evidence and accurate valuation, within the terms, conditions and limits of your policy.
Policyholder-focused support
We act to support the insured in preparing and advancing the claim — from initial assessment through to settlement discussions.
Professional claim preparation
Well-prepared claims are easier to understand, assess and progress. We help with policy review, damage assessment, valuation and documentation.
Guidance through the process
Practical, structured support from initial notification to ongoing insurer engagement — including liaison with the insurer or appointed loss adjuster.
Since 2024
of Excellence
Our professional process
A strong claim begins with a clear process and reliable evidence.
- 1Initial consultation — preliminary review of the incident, likely loss and available cover.
- 2Policy review — terms, conditions, exclusions, limits and deductibles.
- 3Site inspection and loss assessment — extent of loss or damage to property, assets or operations.
- 4Evidence and documentation — photographs, invoices, quotations, records and correspondence.
- 5Claim quantification — reasoned valuation of the insured loss, including associated components where covered.
- 6Claim presentation and engagement — support with submission and liaison with the insurer or appointed loss adjuster.
- 7Settlement support — reviewing responses, addressing queries and progressing towards settlement.
Recommendations for clients
After an incident, take prompt steps to protect your position: notify the insurer promptly, review your policy, document the loss with photos and lists, preserve evidence, mitigate further loss, and keep financial records (especially for business claims). Engage professional support early where it helps with structure, valuation and evidence.
- • Keep all correspondence; ask for important points in writing.
- • Maintain a timeline of events.
- • Do not agree settlement figures without understanding how they were calculated.