Business Insurance Claim Rejected or Underpaid? We Act For Your Business.
Business interruption, property, plant and machinery, and public liability claims are complex, high-value and routinely underpaid. NKH Advisory prepares and fights commercial and SME claim disputes for South African businesses — backed by senior claims consultants and ECSA-registered engineers.
Johannesburg · Durban · Countrywide South Africa · We act for policyholders, not insurers.
Commercial & SME claims rejected or underpaid?
A rejected or underpaid business claim does more than cost money — it can threaten the survival of the business. Commercial claims are also where insurers apply the most scrutiny, the most technical exclusions and the most aggressive quantum reductions. A business owner rarely has the time, the forensic accounting capacity or the engineering expertise to argue back on equal terms.
NKH Advisory does. We are an independent claims preparation and loss adjusting practice acting only for policyholders. We quantify the true loss, assemble the financial and engineering evidence, and present a claim the insurer must answer — and where the decision is wrong, we escalate to the National Financial Ombud (NFO) on your behalf.
What we do for you, step by step.
- Free 60-second claim check — tell us the loss type and the insurer.
- Policy & rejection review — we assess whether the decision holds up.
- Loss quantification — forensic rebuild of BI, property and plant values.
- Engineering input — ECSA-registered engineers on cause-of-loss and plant disputes.
- Negotiation & NFO escalation — we present and pursue the claim for you.
The grounds insurers most often rely on — and how we test them.
Business interruption (BI)
Indemnity periods, gross-profit and standing-charge calculations, underpaid loss-of-income claims.
Property & buildings
Fire, storm, flood, impact and burst-pipe damage to commercial premises.
Plant & machinery
Breakdown, damage and contested wear-and-tear findings, supported by engineering assessment.
Stock & contents
Under-valued or disputed stock, equipment and contents losses.
Public liability
Third-party injury and damage claims where cover or quantum is in dispute.
Coverage and exclusion disputes
Policy wording challenges where insurers apply exclusions broadly to commercial risks.
Frequently asked questions
My business interruption (BI) claim was rejected or underpaid. Can it be challenged?+
Yes. BI claims are among the most complex and most frequently underpaid, because they turn on indemnity periods, gross-profit calculations and how the loss is quantified. We rebuild the BI calculation from your records, establish the correct indemnity period, and present a properly evidenced claim — escalating to the NFO where needed.
What types of commercial claims does NKH Advisory handle?+
Business interruption, property and buildings, plant and machinery, stock and contents, and public liability claims. Whatever the line, we quantify the true loss and prepare the claim on the policyholder's behalf, never the insurer's.
The insurer says my plant or machinery loss is wear and tear. Is that final?+
No. Wear-and-tear findings on plant and machinery are routinely contested. Our ECSA-registered engineers establish the true cause of the failure or damage — often a sudden insured event rather than ordinary wear — and present that evidence.
How long do I have to dispute a commercial insurance decision?+
You generally have 90 days from the insurer's final decision to refer the matter to the National Financial Ombud. Start the free claim check as soon as you receive a rejection or low offer.
You have 90 days to dispute. Don't let the clock run out.
Start with the free 60-second claim check, or speak to a senior claims consultant directly. The first conversation costs nothing.
NKH Advisory (Pty) Ltd · Johannesburg · Durban · Countrywide South Africa. This page provides general information only and does not constitute legal or financial advice.