Intangible Prejudices

Individuals and companies alike, regardless of their activity, are susceptible to suffering intangible prejudice, which may or may not be the result of bodily injury or tangible damage. This includes any privation or loss of use of property, loss of a right, or even the loss of a chance. Operational losses and losses of professional earnings constitute a large portion of intangible prejudices.

Losses depend on many factors: the victim’s activity, its processes, and its legal, economic, and financial situation. For this reason, when disaster strikes, companies and their insurers need experts to examine the technical and financial impacts of the claim, which can be highly complex.

Our loss assessors, business diagnostics specialists, former legal, financial, accounting, and auditing professionals, leverage their expertise to provide a comprehensive and pragmatic analysis of each case in order to reach a resolution.

OUR LOSS ADJUSTERS

Laurent MICHEL

Loss adjuster

After studying business law and business difficulties at the Universities of Aix-en-Provence and Sorbonne, I started out as a sworn officer at the Aix-en-Provence Court of Appeal. I then spent 10 years as a receiver at a law firm honing my ability to analyse businesses from a financial, legal, and economic standpoint.
In 2012, I joined GM Consultant as a specialist in commercial risks. I meticulously handle amicable and judicial proceedings involving public liability of regulated professions, real estate issues, operational losses, and intangible prejudices. I take a constructive and compassionate approach to problems.

Email : laurent.michel@gmconsultant.com
Phone : +33 (0)6 88 09 76 38

Marouane LOUDIYI

Loss adjuster

I am trilingual, have degrees in management and risk management, and have seven years of experience working as an inspector investigating major claims involving industrial risks. I've processed large, complex cases for GM Consultant in France and abroad since 2015.
Specialised in evaluating merchandise losses, operational losses, financial losses, and intangible damages, I often work on claims in the fields of aeronautics and energy. I'm very hands-on, and enjoy working closely with the various parties involved in each case, coming up with strategies tailored to each situation, and mediating negotiations between parties.

Email : marouane.loudiyi@gmconsultant.com
Phone : +33 (0)6 42 28 96 85

Nicolas MUSQ

Partner Loss Adjuster - Manager of Finance and Services division

After spending seven years at a large international auditing and consulting firm as a financial auditor specialising in the insurance industry, in 2009 I joined GM Consultant as a loss adjuster for financial risks. Well-versed in issues involving intangible prejudice, fraud, public liability of financial professionals and the regulated professions, each day I support the loss adjusters in my division in processing their claims, instilling values of rigour, ethics, critical thinking.
I love to travel, and view each new case as I do the start of a trip: an exciting, rewarding opportunity for adventure.

Email : nicolas.musq@gmconsultant.com
Phone : +33 (0)6 24 35 85 55

Olivier RICHARD

Loss adjuster - Technical Director of GM Consultant Group

After earning degrees in engineering and finance, I gained some experience in the field and joined GM Consultant in 2002. My interest in IT and solid knowledge of accounting as well as financial issues have made me an expert in these fields. In 2007, after becoming an associate with the group, I directed my focus on technical and industrial risks while continuing to handle financial cases.
Now Deputy Managing Director in charge of the Technical Department of GM Consultan, I am in charge of developing our loss adjusters' skills.
I run marathons in my spare time — I like to push myself both athletically and professionally.

Paul DECOUX

Loss adjuster

I graduated from business school with specialised training in corporate and market finance. After an experience doing credit risk analysis at a bank, I joined GM Consultant in 2012.
As a loss adjuster for financial risks, I primarily step in to calculate operational losses resulting from damage or a policyholder's liability being called into question, especially after a machine breaks down. I also specialise in operational losses involving notaries. I'm a fan of rugby and driven by team spirit. I strive to resolve claims quickly so that policyholders' lives can return to normal as soon as possible.

Email : paul.decoux@gmconsultant.com
Phone : +33 (0)7 89 48 15 66

Rajâa AOUINA

Finance and Services Specialty Manager - Financial Risk Expert

After completing studies in finance and accounting, I was an auditor and consultant for 5 years for quoted companies. I joined GM Consultant in 2014 as a specialist in financial risks in the fields of bank fraud, corporate fraud, liability of financial institutions, immaterial losses and high-stakes damage cases. Dedicated to human values and a true world traveler, I work alongside my teams on a daily basis, in both France and abroad, to provide them with the rigour of methodology, critical thinking, and a sense of relationships.

Email : rajaa.aouina@gmconsultant.com
Phone : +33 (0)7 89 48 03 46

Timothée GRANGE

Loss adjuster - Asia Pacific Director

Trained in finance, risk management, crisis management, and competitive intelligence, I worked in China for four years to create and manage a company, then spent three years in France in risk management consulting.
After joining GM Consultant in 2012, I taught myself about damage surveying before moving to Hong Kong and creating the Asia-Pacific subsidiary. Specialising in financial, technical, and industrial risks, I enhanced my knowledge of IT risks by becoming a Certified Ethical Hacker.
An avid runner, I challenge myself on the track just as I do in my professional life.

Vincent BLONDIN

Loss adjuster

I've been a loss adjuster at GM Consultant since 2008. I specialise in public liability for regulated professions (professionals in the fields of Real Estate, Accounting, and Law), financial risks, and audits. My background in Business Law, Intellectual Property Law, and new technologies also allows me to perform appraisals for cases involving Intellectual Property: trademarks, patents, copyrights, etc. In collaboration with the firm's other loss adjusters, I work with all parties in a collected, methodical manner to resolve disputes and handle complex claims.

Email : vincent.blondin@gmconsultant.com
Phone : +33 (0)7 86 70 74 28

Olivier SOUVAIS

Loss Adjuster

After completing studies in electronic engineering, I worked for over 20 years at an electrical appliances business and was steadily promoted up to the position of Technical Director. Through this experience, I had the opportunity to specialise in fire claim management and, in 2007, I achieved CNPP (French National Centre for Prevention and Protection) certification in Fire Causes and Circumstances Research (FCPP). In June 2018, I joined GM Consultant as a machine breakdown and FCPP loss adjuster in order to practice this exciting profession. A swimmer for over forty years, I like to compete against others and regularly participate in national competitions.

Email: olivier.souvais@gmconsultant.com
Phone number: +33 6 88 54 88 59

Florent BLANCHARD

Loss Adjuster

After leaving business school, I spent 10 years working for companies with national and international networks. My daily challenges included working closely with employees in the field and responding to the issues faced by operational management by dealing with cross-functional matters. By becoming a loss adjuster, I have capitalised on my knowledge to help companies better manage crisis situations. Since 2018, I have been working for GM Consultant as a finance loss adjuster specialising in operational losses. My complementary role within the team is to define the operational impact of a loss on a company. When I’m not working with numbers, I enjoy playing vintage sounds on my electro acoustic guitar.

Email: florent.blanchard@gmconsultant.com
Phone number: +33 7 72 32 77 79

Bart HERTEGONNE

Loss Adjuster

After two Master’s degrees in Law and Economic Law, I became immediately involved in claims and risk management. I quickly gained experience in various business sectors and the vast majority of insurance product lines. During my professional career, I have worked in a multinational environment and have gained extensive experience in insurance and intangible losses. In September 2018, I decided to join the Belgian teams of the GM Consultant appraisal firm, where I work on Public Liability as well as Damage claims. I enjoy life’s simple pleasures.

Mail: bart.hertegonne@gmc-belgium.com
Phone number: +32 473 70 56 78

Stéphanie LAROCHE

Loss Adjuster

I started my career as a lawyer in law firms and public accounting where I dealt with business law. In the meantime, I discovered insurance expertise, which I practiced independently for a few years. I quickly specialized in the evaluation of economic losses after accidents and business interruption.
In 2019, I joined the consulting firm GM Consultant as a Finance Loss Adjuster. Conscientious by nature, I am committed to treating the missions entrusted to me with a method, rigor, and organization. My motto: consolidate my knowledge and enrich my skills.

Email: stephanie.laroche@gmconsultant.com

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