Perfecting the Claim, Part 2: The Arcina Advantage


Welcome to Part 2 of our 2-part series on Perfecting the Claim. In Part 1, The 5 Steps of Mass Tort Claims Management we explained the five core steps of the mass tort claim management lifecycle. In this post, we discuss the Arcina differentiators that we apply to every client engagement to perfect the claim and ensure optimal results.


Tracking with Technology


Today, technology plays a critical role in organizing, analyzing, monitoring, and the tracking of a mass tort claim. This is due to the often-voluminous claimant and financial data. Arcina has the experience and technology tools to perform all of these tasks in unison, at scale, by leveraging a centralized technology platform that provides access to data, analytics, statistical information, and important details of the claim. In fact, Arcina has built databases for the sole purpose of gathering and maintaining all relevant claim information. This includes, but is not limited to, information on the number of cases, financial data, and geographic data.

While modern technology underpins claim tracking, how an insurance archeology firm applies the technology is equally important. Unlike the vendors of risk management information systems (RMIS), Arcina treats the technology as an enabler, not as the end game. We first  assess our client’s requirements and determine the tracking that needs to happen while engaging historic insurance and constructing a digital policy library. We then apply our technologies to track and manage the claim. Instead of clients relying on spreadsheet-based tracking, they receive our modernized, automated documentation output. Arcina also uses automated tools to report to insurance carriers, track their responses, and respond to their requests for more information. 

For organizations that do not have deeply experienced claims personnel or a high degree of tech savvy, engaging Arcina dramatically raises the level of certainty that nothing will get missed and that everything is reported in a timely fashion. Many Arcina clients actually have modern technology systems in place. Yet, they lack familiarity with best-practice mass tort claim management. In such circumstances, Arcina adjusts the claim management process to align with the client’s unique workflow and systems.

Without the type of expertise Arcina brings to bear, many defendants in mass tort claim cases have failed to recover money due from carriers. The number one reason? Defendants simply did not respond within the established time limits dictated by the terms of the policy. Arcina ensures that does not happen.  


Case Study One: Healthcare Products Distributor


In one recent case example, the Arcina team was engaged to manage the influx of thousands of mass tort claims brought by individual plaintiffs against a distributor of healthcare products related to medical device malfunction. Over the course of a year, the team noticed the claims to the insurance carriers, constructed two databases to centrally manage volumes of data for these claims, and normalized the process to include collaboration among risk management, the insurers and legal counsel. In the end, Arcina established a dialogue with the insurance markets which avoided litigation and obtained more than $100 million to cover indemnity and defense fees which were averaging $1 million per month. 


Proactive and Collaborative Approach


Arcina takes a nuanced approach to the mass tort claim management process that recognizes its people-driven nature and high susceptibility to interpersonal relationships. Not only does this include the dynamic between client, insurance carrier and legal counsel but oftentimes, Arcina has navigated within the client’s various functions bringing together the risk management, general counsel and finance offices together. 

As such, Arcina applies a unique set of best practices to perfect the claims notification process that encompasses not only specific actions, but also a targeted manner for performing each action. The Arcina approach entails the following:


  • Acting proactively and in a cooperative manner throughout the lifecycle of claims management.
  • Employing a claims normalization and collaborative advocacy approach with the insured, their legal counsel, and the insurance carrier.
  • Avoiding (as much as possible) an escalation of claim investigation beyond normal protocol.
  • Preserving relationships by allowing the claims process to play out.
  • Securing participation for defense fees and/or indemnity.


Case Study Two: Water Company


The proactive and collaborative approach of Arcina recently paid off in the millions of dollars for one water company client. On the verge of a trial, the company was facing a significant liability related to historic asbestos claims and had limited insurance to provide coverage and defense for the claim. Arcina immediately implemented an archaeology and advocacy plan, located significant insurance assets, and arranged for defense of the claims. On the eve of the trial, the case settled with the authority of multiple insurers, and the carriers ultimately reimbursed 100% of the defense costs and provided $100 million in coverage for pending and future asbestos claims..   


Targeted Deployment


Arcina’s primary goal in all mass tort claim cases is to get claims into the hands of the right people at insurance carriers to ensure a successful outcome and to avoid (or minimize) litigation. That may sound simple. Yet, this is where Arcina is differentiated from other insurance archaeology and claims management firms. 

The differentiation starts right at the beginning of carrier outreach. Arcina recognized long ago that the right person is rarely reachable via a carrier’s common intake form, inbox or ‘1-800’ number. So, Arcina avoids sending a claim to an insurer’s general claims email/contact address. Doing so unnecessarily prolongs the claim management process and prevents specialized treatment of the claim.

So, how does Arcina find the right individuals? This is where Arcina’s team with decades of insurance carrier knowledge comes into play. Arcina experts have spent years discovering and facilitating relationships with the appropriate insurance department and/or insurance personnel who handle legacy claims at the many carrier companies. Additionally, since Arcina takes a collaborative, non-adversarial approach, we have built up substantial goodwill with the likely participants in a mass tort claim. 

Put it all together, and Arcina’s combination of knowing who to reach and having pre-existing relationships with them reduces escalation of claim investigation and accelerates recovery for our clients.


Why defendants find the Arcina approach optimal


  • Non-adversarial, non-litigious
  • Preserves relationships
  • Secures participation for defense fees and/or indemnity 
  • Reduces expenses
  • Speeds recovery

Who is Arcina Risk Group?

Arcina Risk Group is a leader in helping companies skillfully uncover historic insurance policies and facilitate maximum recovery for current claims.

Established in 2009 amid the financial crisis, Arcina is composed of a team of seasoned and credentialed insurance and legal professionals with both in-depth vertical-industry knowledge and longstanding insurance market relationships. As such, we provide aggressive advocacy on behalf of clients facing complex claims and litigation.

Defense lawyers, general counsel, CFOs and risk managers rely on Arcina every day to ensure they are protected and receive the counsel necessary for proper recovery and reimbursement.


Insurance archaeology in focus 


Beginning with the first asbestos and environmental claims in the 1970s, to emerging claims such as sports concussions, sexual misconduct, talc and opioids, many mass tort and other complex claims involve events that occurred decades ago. To address this major obstacle to recovery and reimbursement, Arcina focuses on providing insurance archaeology services for its clients.

Robust insurance archeology serves as the foundation to client success. We research – in depth – to locate coverage dating back as far as the 1940s. Only a team with our institutional knowledge, skills and resources can locate all potential coverage in complex situations. In fact, our insurance archeology professionals draw upon decades of global experience and leverage their insurance market relationships to discover what others frequently miss. 

In every mass tort or class action engagement, Arcina conducts a comprehensive, disciplined search via multiple channels. When satisfied that all relevant historical insurance coverages have been discovered, Arcina constructs a multi-layered chart of the coverage history that provides clients with an overview and big picture look at the coverage available (see the coverage history chart image below). 

Graph that shows the insurance claim mapping process

The example above showcases the historical insurance assets which Arcina’s client owns. It clarifies the terms of each coverage policy, the limits, solvency status and past impairments. Such a cumulative snapshot of historical insurance coverage helps to quantify the asset and model the best course of action to recover any monies due to the insured.


Integrated services to complement insurance archeology


While insurance archeology is a critical starting point for legacy tort claims, Arcina provides additional services to optimize client outcomes. We rely on our deep insurance and legal knowledge to thoroughly and aggressively manage claims and to help clients avoid protracted litigation and trial. We do so by delivering a wide range of integrated services, including the following:


  • Claims advocacy & insurance recovery
  • Claims management & support
  • Insurance asset review
  • Policy library & claims data solutions
  • M&A due diligence
  • Insurer services and subrogation
  • Certification of insurance compliance


To serve each client’s unique needs, we strategically integrate services for an optimal solution to efficiently recover insurance assets and successfully manage traditional and emerging claims. 

Arcina often operates as an outsource partner to risk management or legal departments. We commonly track and administer mass tort claims, manage voluminous claimant and financial data, assess project exposures, negotiate disputes and effectively monitor reimbursements from insurers. Our refined claims management lifecycle ensures proper party engagement and an expedited process.


The industries we serve


The Arcina team has deep experience with all sizes of private and publicly-held organizations across a broad spectrum of industries. The table below shows the industries where clients have benefitted from Arcina’s insurance archeology and complex claims management services in recent years.


 Arcina industry expertise


  • Automotive
  • Construction
  • Energy
  • Financial Services
  • Food & Beverage
  • Healthcare
  • Higher Education
  • Insurance
  • K-12 School Districts
  • Legal
  • Life Sciences
  • Manufacturing
  • Non-Profit Organizations
  • Public entity
  • Real Estate
  • Retail
  • Religious
  • Sports/Entertainment
  • Technology/Telecom
  • Transportation


With keen insight into specific industry nuances and industry-specific risk profiles, we provide best practices for added value in each industry we serve. 


Impressive client results


Arcina has a proven overall success rate of 95 percent. Whether it meant researching historical policies back to the 1940s for asbestos claims or interpreting general liability (GL) policies for applicability to environmental contamination, Arcina delivers strong results.

  • Discovered over $100 million of insurance coverage for pending and future claims and arranged funding of a defense for a water company’s asbestos claims. The case settled at trial with multi-insurer participation for seven figures. 

  • Recovered historical policies and advocated for a large publicly-held real estate holding company to obtain defense costs of more than $300,000 for multi-million-dollar environmental exposures dating back to the 1940s.

  • Located more than $3 billion in historic policies dating back to 1975 to address sexual misconduct claims against a large public university and its medical center. The updated policy schedules, coverage charts and proper insurer contact information resulted in an efficient claims management process.

  • Located product liability and GL policies dating back to the 1950s for two automotive manufacturers with asbestos exposure claims. Successful negotiations of cost share agreements resulted in coverage of defense fees and indemnity payments of over $40 million.

  • Legacy claims introduce a new level of complexity for companies.

Entrust professionals who know the process and deliver results. Get to know the professionals at Arcina by setting up a free consult with one of our team members.