# The case

*The claims handler, deciding a claim that arrived with the facts and the items already attached.*

- Business: Northgate Advisory Ltd (`northgate-advisory`), fictional, with synthetic transactions
- Rendered from: https://itspickle.app/handler?demo=northgate-advisory
- As JSON: https://itspickle.app/api/audit?demo=northgate-advisory

## Is there anything to chase

**2 answers outstanding.** What are they saying went wrong? Have they put a figure on it?

No register was available, so every item and proof of purchase would need to be requested from the policyholder.

## What decides it

| Question | Answer |
|---|---|
| What are they saying went wrong? | not answered |

## The account, in the policyholder's own words

| Question | Answer |
|---|---|
| When did the client first raise the issue? | They emailed on the 3rd |
| Which client, and what was the engagement? | A logistics client, on the operating model review we finished in May |
| Have they put a figure on it? | not answered |
| Was there a written contract or set of terms? | not answered |
| Has a solicitor been involved yet? | not answered |

## The position at the date of loss

- Held: £1,000,000, set on 1 Mar 2024
- On the claim: £0
- The audit had already flagged this line: Professional Indemnity is held at £1,000,000 against an indicated £2,000,000. A liability limit pays in full up to the limit and nothing above it, so this is not a proportional shortfall like an under-set sum insured. It is the point at which a large claim stops being covered, and the limit was last set in March 2024.

Two numbers, and no third worked out from them. A person decides this claim: the engine has no field
a settlement could be held in, so there is no such figure here to read or to relay.

## The items

Nothing attached: this is not a claim about the business's own property.


Completeness: 2 of 4 required answers, 50%.

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Illustrative only. This is a statement of demands and needs based on public records and information you confirm, not a personal recommendation or a quote. Prices are banded estimates derived from published rates and are not an offer of cover.