Insurance Industry

Insurers rely on our technical expertise and commercial experience in industrial investigations and preparation of claims. We advise insurers and their clients on matters involving claims for property damage and business interruption. We are frequently called upon to assist in subrogation actions by evaluating causation theories and claims for damages.

Case Studies

Catalyst Damage - Did the Operator Incur an "Extra" Turnaround?

April 1, 2022

Several months after an unplanned outage, a petrochemical complex took an early shutdown to perform major maintenance. The operator filed an insurance claim for economic damages. Baker & O'Brien was engaged to assess production losses for the outage, examine operator actions to mitigate the economic damages, and review the impact of the early shutdown on the long-term turnaround cycle. We facilitated the dispute resolution process through technical memoranda and discussions between the insurance market and the operator.

Refinery Dock Allision - More than Just Property Damage Implications

October 1, 2021

Damage to a refinery dock caused an extended interruption for repairs, resulting in lost production and costly non-routine logistics to meet customer needs. We were requested to evaluate lost profits and mitigation costs which, as monthly operating plans were no longer available, was a challenge. Therefore, we presented expert opinions based on an alternative approach using historical refinery operating results.


January 1, 2019

Whether a series of failures are linked by a single proximate cause may affect insurance coverage as a single event or as multiple individual claims. Baker & O'Brien assessed an ammonia producer's equipment damages claim that three separate events were related by an unbroken chain of causation. We provided expert opinion on the linkage of these damage events through evaluation of design documents, incident reports, piping and instrumentation diagrams, and plant operations.