What is Insurance Archaeology?

In this blog, we shall talk about some of the essentials of insurance archaeology.

Let us start with the most basic question first: what exactly is insurance archaeology? In the simplest of terms, insurance archaeology can be defined as digging up of old insurance coverage. This is done for customers and mostly primarily businesses, which is apparently facing the loss or destruction of historical insurance records. How does finding these documents really help the business in the future? If these documents are found out, and if they are, sort of pieced together, then the historical insurance portfolio can be used by insurance archaeologists and this can provide aid in understanding the full extent and limits of their respective liability coverage. For insurance archaeology consultants, consider Omega Historical Consulting.


Some specific types of products or businesses may have certain effects that may not become apparent for a long time, maybe even a decade. It can involve health and environmental problems as well. Regardless of the time these effects may show up and have the same liability effect as one could estimate of it. Time will not lessen the effect of the liability. Most firms will buy liability insurance to deal with the complication which would have come up as a result of these issues. They may help mitigate the financial impact of these issues. But over time, the requisite important information about the coverage may be lost or may disappear. This is why a good insurance archaeology consult can come in handy.

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