Asset estimates for equity and insurance purposes

Clarium evaluation supports Insurers and Brokers by providing an on-desk Preliminary Estimate service for insurance purposes, necessary for:

- Define the consistency and value of the assets for proper insurance coverage, improving the effectiveness of the policy premiums;

- Launch a reliable procedure for updating the physical consistency of the assets and their value over time;

- Highlight macroscopic policy limits or intercept errors in the inclusion of goods in the correct items, according to the contractual definitions

The on-desk Preliminary Estimate represents an indispensable tool for correctly calibrating the values declared in the policy in order to avoid under-insurance (and therefore lack of fair coverage in the event of a claim) or over-insurance (and therefore the payment of a higher premium than the real need coverage), avoiding unpleasant discussions in the event of a claim.

The assignment for the on-desk Preliminary Estimate can be conferred directly by the Insured, who according to the Civil Code is the one who must declare the real value of the insured assets.

Clarium evaluation also assists Clients in evaluating corporate assets for the purposes of extraordinary transactions such as spin-offs, mergers, mergers, acquisitions, disposals, collateral, arbitration, bankruptcy proceedings.

Clarium evaluation, thanks to its experience in the evaluation field, has implemented structured procedures for the analysis of corporate assets for management purposes:

• determination of the Fair Value (IAS/IFRS)
• determination of useful and residual technical-economic lives
• allocation of the merger deficit
• revaluation of company assets in application of special laws
• physical detection of assets and their coding
• physical-accounting reconciliation