Global Partner
A History of Excellence
Joseph Lobo (‘JLS’) was established at Karachi in 1935 as a registered partnership of Joseph Lobo & Jose Castellino & has been serving the insurance & banking industries for more than ninet decades. Both partners had been in upper management at ‘Gill & Co’, a leading British trading firm engaged in commodities, finance, insurance & warehousing at several locations on the Indian subcontinent.
After partition in 1947, JL expanded in East & West Pakistan with branch offices in Hyderabad, Lahore, Rawalpindi, Quetta, Peshawar, Chittagong & Khulna. An amendment in the Insurance Act 1938 precluded the issuance of insurance covers & JL decided to focus on loss adjusting, marine survey & property valuation services. This focus allowed us to hone our expertise and become the independent, specialist firm we are today.
Who We Are
Joseph Lobo (Pvt) Ltd is a leading loss adjuster in Pakistan, handling a wide range of categories such as property, marine, personal accident, livestock, etc, for major insurers, underwriters, financial institutions, and brokers across various industries globally. This includes power generation, transmission, infrastructure projects, telecom, textile, petrochemical, pharmaceutical, automobile, heavy & light general industries, and food processing sectors.
The growth of industries in Pakistan led to the necessity of enhancing engineering expertise for evaluating losses, assessing risks, and determining the value of different types of projects such as infrastructure, process engineering, petroleum, chemicals, power generation, cement, textiles, telecom, and food processing. JL has built a team of over eighty skilled professionals to efficiently visit client locations throughout Pakistan and neighbouring regions, working from offices in Karachi, Lahore, Multan, Rawalpindi, and Kabul.
Joseph Lobo (Pvt) Ltd holds full licenses as Surveyors & Loss Adjusters from SECP (Securities & Exchange Commission of Pakistan), is a member of the Karachi Chamber of Commerce & Industry, is ISO 9001:2015 certified, and is registered as Class-A Valuers with ‘No asset value limit’ by the Pakistan Banks Association. Being the oldest Surveyors firm in Pakistan. Joseph Lobo (Pvt) Ltd was the inaugural recipient of Professional Indemnity insurance in 1980 from leading insurers who had been acquainted with JL, its partners, and staff for many years.
Claims Investigation And Assessment
Fire & Property Claims
Comprehensive protection for personal and commercial properties, ensuring security against unforeseen events.
Engineering Claims
Tailored coverage for engineering risks, including machinery breakdown and construction projects.
Marine & Aviation Claims
Specialized insurance solutions covering cargo, vessels, and transport-related risks across diverse modes of transportation.
Power Oil & gas , Renewable Energy
Solutions for liability claims, ensuring fair resolution. Services for recovering debts, ensuring financial stability
Auto Mobile Claims
Comprehensive protection for vehicles, offering coverage against accidents, theft, and natural disasters.
Business interruption
Specialized safeguarding financial interests, including fidelity guarantee and electronic crime protection.
Risk Inspection
Meticulous pre-insurance surveys for comprehensive risk assessment, ensuring accurate coverage.
Property Valuation
Our team delivers accurate and reliable valuation services, providing insights into your assets' fair market value.
Salvage Disposal
Expert handling and strategic disposal of salvage value, minimizing impact on the insured.
Supervision
Our oversight ensures seamless operations and compliance, guaranteeing efficiency in projects and minimizing risks.
Expert Forensic Accounting
Forensic accounting is a very specialized field that takes many years of training and experience in order to perform effectively.
Auto Appraisals
Expert handling and strategic disposal of salvage value, minimizing impact on the insured.
Stock Inspection
Our meticulous examination ensures accurate assessments, optimizing inventory management for enhanced efficiency.
Construction Defect Claims
If your insured policy holder or your self-insured company has suffered a loss anywhere in the USA (all 50 states) involving damages to the environment
Why choose
In a complex claim’s environment, you need a partner with the historical wisdom of experience and a modern, principled approach. Joseph Lobo (Pvt) Ltd offers the stability, expertise, and unwavering commitment to fairness that ensures confidence and closure for every stakeholder.
What We Stand For:
Expertise
Our deep industry knowledge, accumulated over eight decades, ensures every assessment is technically sound and comprehensive.
Integrity
We operate with unwavering impartiality and honesty, ensuring all parties are treated fairly.
Diligence
We conduct meticulous, on-the-ground investigations to establish the true nature and extent of a loss.
Transparency
We believe in clear, consistent communication throughout the claims process, demystifying complexities for all involved.
Equity
Our ultimate goal is to achieve a fair and just outcome that upholds the principles of the insurance policy.
Global Partner
We are proud to collaborate with VRS Adjuster as our strategic global partner, combining international expertise with local insights to deliver world-class insurance adjustment and valuation services.
Our Mission
Our Mission is to deliver unparalleled expertise in insurance loss adjustment, serving as a trusted, impartial partner to both insurers and policyholders. We are dedicated to facilitating fair and equitable settlements through meticulous assessment and transparent communication.
Expertise and Experience
Why Choose Us
Our team comprises seasoned professionals with extensive experience in the insurance industry. We bring a wealth of knowledge and technical proficiency to every assignment.
Integrity and Transparency
We uphold the highest standards of integrity and transparency in all our dealings. Our clients can trust that our assessments are unbiased and based on factual evidence.
Client-centric Approach
We place our clients at the heart of everything we do. Understanding their unique needs allows us to tailor our services and provide personalized solutions that exceed expectations.
Confidentiality
We maintain the utmost confidentiality and integrity in all our engagements.
Timely and Efficient Services
Recognizing the importance of prompt claim resolution, we are committed to delivering our services within the stipulated timelines without compromising on quality.
Why do insurers pick us?
A full-service spectrum, and cutting-edge tech. Our client-centric approach ensures tailored solutions, making Joseph Lobo your trusted choice for unparalleled service.
Quick Response
Nationwide coverage
Affordable & Reliable
Transparent Pricing Model
Smooth process
Fast & Secure Investigation process
Unbiased
Complete investigation & reports
Major Loss Adjustment Assignments
| Client | Year | Claim Amount |
|---|---|---|
| Gul Ahmed Energy Ltd | Jun 2014 | Property-PKR 91 million, BI-PKR 78 million |
| Gul Ahmed Energy Ltd | Oct 2015 | Property- PKR 42 million, BI-PKR 13 million |
| Bestway Cement Ltd | May 2016 | PKR 1.3 billion |
| Gul Ahmed Energy Ltd | Jan 2017 | PKR 66 million |
| Pakistan Petroleum Limited | July 2017 | PKR 330 million |
| Rajwani Denim | Mar 2017 | PKR 307 million |
| Colgate-Palmolive (Pakistan) Ltd | Jan 2018 | PKR 44 million |
| Diamer Bhasha Dam Project Package 6-A | Apr 2018 | PKR 100 million |
| Gul Ahmed Energy Ltd | Apr 2019 | PKR 61 million |
| Taisei Corporation | Apr 2019 | PKR 76.8 million |
| Gul Ahmed Energy Ltd | Oct 2019 | PKR 17 million |
| Daelim Lotte JV, Gulpur Hydro Power Project | Jan 2020 | PKR 23.8 million |
| Byco Petroleum Pakistan Limited (Turntable of Single Point Mooring) | Feb 2020 | USD 1.7 million |
| Liberty Mills Ltd | Jun 2020 | PKR 2.04 billion |
| Pak Matiari-Lahore Transmission Company (Pvt) Ltd | Jan 2021 | CNY 4.8 million |
| Gul Ahmed Energy Limited | Apr 2021 | Property PKR 28 million, BI – PKR 10 million |
| Pak Electron Ltd | Apr 2021 | PKR 863 million |
| Kalpataru Power Transmission Ltd | RGM Afghanistan | Aug 2021 | USD 2.8 million |
| Al Abbas Sugar Mills Ltd | Oct 2021 | PKR 373 million |
| Inverex Power Solution | Oct 2021 | PKR 309 million |
| Continental Biscuits Ltd | Nov 2021 | PKR 319 million |
| Bulleh Shah Paper Mills | Feb 2022 | PKR 11 billion |
| Xingjiang Beixin Road & Bridge Group Co Ltd (XBRB) | Sep 2022 | PKR 28 million |
| Pak Gulf Construction (Pvt) Ltd | Oct 2022 | PKR 434 million |
| Scatec (Solar Power Plant) | Apr 2023 | USD 5 million |
| SAH Enterprises | Jul 2023 | USD 7 million |
| Gul Ahmed Energy Ltd | Nov 2023 | PKR 118.6 million |
| Agha Steel Ltd | Dec 2023 | PKR 828 million |
| Aisha Steel Mills Ltd | Jan 2020 | PKR 1.3 billion |
| Fazal Cloth Mills Ltd | Apr 2025 | PKR 900 million |
| Gohar Textile Mills Pvt Ltd | Feb 2025 | PKR 518 million |
Our Clients
Trusted Partnerships Our Esteemed Clients
From major banks and insurance companies to leading manufacturers and healthcare providers - Pakistan's most trusted organizations choose Joseeph Lobo (Pvt) Ltd for their loss adjusting and surveying needs.
Our Clientele
Get In Touch With Us
We are waiting to welcome you on board The best team is ready to look after your work.
Our Licenses & Affiliates
