Claims fairly prepared, firmly negotiated, and settled.
Prime Efficient prepares, negotiates and recovers insurance claims for insured and uninsured clients — including claims insurers have already declined. Over 25 years handling large and complex losses across every class of insurance.
What we do
End-to-end claims consultancy: from the moment a loss occurs, through submission, to the final negotiated settlement.
Building a claim insurers can't dismiss
- Investigate the circumstances and foundation of the claim
- Formulate and prepare the claim in full
- Advise on compensation, restitution and recovery
- Survey the cause and monetary value of physical damage
- Assess business interruption and loss of profit
- Match the claim to the policy's actual extent of indemnity
Sitting across the table until it's fair
- Present a factual, legally supported statement of claim
- Sit directly with insurers and their loss adjusters
- Surface and mitigate any contributing factors
- Isolate contentious issues and resolve them by agreement
- Hold the line so the claimant isn't disadvantaged
- Preserve evidence to a standard admissible in court, if needed
The cases we take on
Four situations we're brought in for most often, from AED 500,000 up to any amount.
Claims preparation
We come in at the point of loss and stay through to final settlement — gathering evidence, preparing the claim and supporting data, and handling the business-interruption portion alongside it.
Claims recovery
For claims already stuck on liability or quantum, or already rejected. Where an insurer is leaning on fine print unreasonably, we take a signed appointment and negotiate directly with insurers, adjusters and reinsurers.
Support in litigation
If a case has already gone to court, we work toward an out-of-court negotiated settlement that saves time and cost for everyone, and prepare technical arguments for court memos.
Third-party recoveries
We help clients and insurance companies recover against the public liability cover of the party at fault, in tort cases.
How a claim moves
The same four stages, whether the claim is straightforward or has already been declined once.
Loss occurs
We review the policy, the loss, and what indemnity actually applies.
We prepare
Evidence, valuation and documentation are compiled to insurer standard.
We negotiate
We sit with the insurer, adjusters and reinsurers until liability and quantum are resolved fairly.
Settlement paid
Claim closed — or, where rejected first, reopened and recovered.
Where our experience runs deep
Twenty-five years across every major class of insurance, and the clients that carry it.
CLASSES OF INSURANCE
- Engineering — CAR, EAR, ALOP, plant & machinery, machinery breakdown, cold-store deterioration
- Property — all-risks claims
- Motor — including third-party recoveries
- Marine hull & cargo
- Liability — haulier's and general liability
- Fire and business interruption
- Professional indemnity and D&O liability
- Burglary, fidelity guarantee, banker's blanket bond, jeweller's block
CLIENT PORTFOLIO
- Contractors and construction companies
- Commercial service providers and trading companies
- Banking and financial institutions
- Industrial and manufacturing entities
- Transporters of goods
- Insured and uninsured individuals
An independent claims consultancy
Prime Efficient is a dedicated claims management and consultancy firm, built around senior insurance professionals with a combined 25+ years handling large and complex losses in the UAE and India.
We interpret policy wordings the way insurers do — because most of us used to sit on their side of the table — and use that to get clients a settlement that actually reflects their cover.
- Study the loss and the cover it falls under
- Technically analyse the case against policy wording, market practice and UAE law
- Legally and technically prepare the claim, insured or uninsured
- Negotiate on the claimant's behalf, so they aren't treated unfairly
- Handle liability and quantum disputes directly with insurers and reinsurers
- Push for the best possible settlement, without unnecessary delay
- Support litigation with technical insurance and legal argument
Our team
Led by two claims directors with more than 25 years each in senior insurance roles across the UAE and India.
A. V. Krishna Murthy
CLAIMS DIRECTOR · AIII, FIIIOver 15 years at Abu Dhabi National Insurance Co. (ADNIC) in senior claims positions, handling large and complex claims across every class of insurance — including major oil, construction and trading companies, and ADNOC group energy-sector policies. Earlier, 10 years at United India Insurance as Divisional Manager for claims and underwriting. Specialises in property, construction and liability claims.
B. B. Chaya Devi
CLAIMS DIRECTOR · AIII, FIIIPreviously Branch Manager at Pearl Insurance Brokers and Manager of Engineering Insurance at ADNIC. Over 25 years total, including 22 years at United India Insurance, latterly as Senior Divisional Manager overseeing six branch offices across underwriting, claims and administration. Specialises in property, casualty and construction claims.