Overview
Insurance surveying and loss adjusting are critical professional functions within the insurance value chain, supporting sound risk assessment, underwriting, claims investigation, loss evaluation and fair claims outcomes.
The Insurance Surveying and Loss Adjusting Programme develops the technical knowledge, practical understanding and professional judgement required for effective practice. It covers insurance principles, underwriting and risk evaluation, hazards and exposures, surveying techniques, evidence and causation, loss assessment, claims validation, professional reporting, regulation and ethical conduct.
Grounded in the insurance environment of Kenya and East Africa, the programme has wider relevance across African insurance markets and incorporates internationally recognised principles and professional practices. It equips learners to apply sound surveying and loss-adjustment approaches across different classes of insurance business while recognising the regulatory and professional requirements of individual jurisdictions.
Learning Outcomes
Upon successful completion of the programme, you will be able to:
- Explain the fundamental principles, functions and socio-economic role of insurance and the professional roles of surveyors and loss adjusters within the insurance value chain;
- Identify the characteristics, risks and surveying requirements of major insurance classes, including property and fire, engineering, motor, marine and transport, agriculture and other general insurance business;
- Apply key insurance principles, including insurable interest, utmost good faith, indemnity, proximate cause, subrogation and contribution, in risk assessment and claims evaluation;
- Identify and evaluate physical, moral, environmental and other hazards, assess their relevance to underwriting, and recommend appropriate risk-improvement and loss-prevention measures;
- Conduct structured surveys and loss assessments using appropriate approaches to site inspection, investigation, evidence gathering, causation, damage evaluation, loss quantification and contemporary digital assessment technologies;
- Evaluate claims-related information and supporting evidence, identify inconsistencies and potential fraud indicators, and prepare clear, objective and defensible survey and loss-adjustment reports to support technically sound claims decisions;
- Explain Takaful, inclusive insurance, microinsurance and index-based solutions and their relevance to evolving insurance markets in East Africa and the wider African region; and
- Apply integrity, independence, objectivity, confidentiality, competence, due care and accountability while recognising applicable regulatory requirements, professional standards and ethical responsibilities.
Course Outline
- 2.1: Understanding Insurance
- 2.2: Historical Development and Evolution of Insurance
- 2.3: Major Categories and Types of Insurance
- 2.4: Economic and Social Role of Insurance
- 2.5: Insurance Markets in Kenya and East Africa
- 2.6: The Insurance Value Chain and Market Participants
- 2.7: Introduction to Insurance Surveying and Loss Adjustment
- 2.8: Regulation, Professional Practice and the Regional Institutional Environment
- 3.1: Classification of General Insurance Business
- 3.2: Fire and Property Insurance Surveying
- 3.3: Motor Insurance and Motor Surveying
- 3.4: Marine, Cargo, Aviation and Transport Surveying
- 3.5: Engineering and Construction Insurance Surveying
- 3.6: Agriculture, Crop and Livestock Insurance Surveying
- 3.7: Liability, Fidelity, Money and Other Miscellaneous Classes
- 3.8: Surveying Approaches Across Different Classes of Business
- 4.1: The Concept and Importance of Insurable Interest
- 4.2: How Insurable Interest Arises in Practice
- 4.3: Insurable and Uninsurable Risks
- 4.4: Risk Pooling and the Law of Large Numbers
- 4.5: The Principle of Indemnity
- 4.6: Methods of Providing Indemnity
- 4.7: Indemnity, Subrogation, Contribution and Proximate Cause
- 4.8: Parametric and Index-Based Insurance
- 4.9: Practical Application of Insurable Interest and Indemnity
- 5.1: The Fundamental Principles of Insurance
- 5.2: Utmost Good Faith and Disclosure
- 5.3: Insurable Interest in Practical Insurance Situations
- 5.4: Indemnity and the Measurement of Loss
- 5.5: Excesses, Deductibles and the Insured's Participation in Loss
- 5.6: Proximate Cause
- 5.7: Subrogation and Recovery Rights
- 5.8: Contribution and Multiple Insurance
- 5.9: Integrated Application of Insurance Principles
- 5.10: Breach of Insurance Principles and Professional Implications
- 6.1: Understanding Insurance Underwriting
- 6.2: The Underwriting Process
- 6.3: Risk Selection and Classification
- 6.4: Underwriting Hazards, Adverse Selection and Moral Hazard
- 6.5: Risk Information, Proposal Documentation and Field Underwriting
- 6.6: Pre-Risk Surveys and the Role of the Insurance Surveyor
- 6.7: Underwriting Surveys Across Major Classes of Business
- 6.8: Risk Rating, Premium Considerations and Underwriting Terms
- 6.9: Survey Reports and Underwriting Decisions
- 6.10: Underwriting, Reinsurance and Survey Findings
- 6.11: Underwriting and Risk Evaluation in the East African Market
- 6.12: Applied Underwriting and Surveying Cases
- 7.1: Understanding Risk, Peril, Hazard and Exposure
- 7.2: Classification and Sources of Hazards
- 7.3: Property, Commercial and Urban Risk Exposures
- 7.4: Industrial and Manufacturing Risk Exposures
- 7.5: Engineering, Construction and Infrastructure Exposures
- 7.6: Agricultural, Livestock and Rural Risk Exposures
- 7.7: Transport, Logistics and Mobility Exposures
- 7.8: Natural, Climate and Catastrophe Exposures in East Africa
- 7.9: Risk Management, Loss Prevention and Risk Control
- 7.10: Hazard Assessment and Risk Mapping
- 7.11: Technology in Modern Hazard Assessment
- 7.12: Applied East African Hazard and Risk Cases
- 7.13: The Surveyor's Professional Approach to Hazard Evaluation
- 8.1: Understanding Takaful
- 8.2: Historical Development and Evolution of Takaful
- 8.3: Shariah Principles Underpinning Takaful
- 8.4: Takaful Models and Operating Structures
- 8.5: Conventional Insurance and Takaful – Key Distinctions
- 8.6: Takaful Practices and the Emerging Industry in Kenya, East Africa and the Horn of Africa
- 8.7: Understanding Inclusive Insurance
- 8.8: Microinsurance and Community-Based Insurance
- 8.9: Agricultural, Index-Based and Parametric Inclusive Insurance
- 8.10: Digitalisation, Fintech and Emerging Inclusive Insurance Distribution
- 8.11: Opportunities and Challenges for Takaful and Inclusive Insurance in East Africa
- 8.12: Role of Surveyors and Loss Adjusters in Takaful and Inclusive Insurance
- 8.13: Ethics, Fairness and Professional Conduct in Inclusive Risk Protection
- 8.14: Applied Regional Cases
- 9.1: The Professional Role of the Insurance Surveyor and Loss Adjuster
- 9.2: Appointment, Instructions and Scope of Assignment
- 9.3: Planning and Conducting Site Inspections
- 9.4: Evidence Collection and Preservation
- 9.5: Establishing Cause and Circumstances of Loss
- 9.6: Loss Estimation and Quantification
- 9.7: Survey and Loss-Adjustment Reports
- 9.8: Professional Ethics, Independence and Confidentiality
- 9.9: Communication and Stakeholder Management
- 9.10: Coordination with Underwriting and Claims Functions
- 9.11: Documentation, Records and Digital Reporting Systems
- 9.12: Disputes, Challenges and Professional Resolution
- 9.13: Applied Professional Practice Cases
- 10.1: Understanding the Claims Function
- 10.2: The End-to-End Claims Handling Process
- 10.3: Claim Admissibility
- 10.4: Policy Liability Considerations
- 10.5: Claims Documentation and Verification
- 10.6: Claims Investigation and Validation
- 10.7: Loss Assessment and Quantification
- 10.8: Claims Reserves and Outstanding Claims
- 10.9: Fraud Detection, Prevention and Escalation
- 10.10: Digital Claims Management and Straight-Through Processing
- 10.11: Co-Insurance, Reinsurance and Claims Sharing
- 10.12: Large and Catastrophic Loss Management
- 10.13: Claims Communication and Case Management
Price: US$475
Course Features
- Modules 11
- Duration 8 Weeks
- Content Type Text & media
- Assessment Yes
- Pass Percentage 70%
- Certificate Yes
