Understand your exposure before the loss, not after it.
NKH Advisory advises businesses, insurers and public entities on how exposure is measured, how cover is structured and how organisations recover. Because we run claims every day, our advice is grounded in how insurers and disaster funders actually pay out — not in theory.
Four advisory service lines.
Each line leverages capability NKH already holds — engineering assessment, insurer and claims knowledge — applied before a loss rather than after one.
Risk identification & assessment
- All-hazard risk identification and risk register development, including climate and catastrophe exposure.
- Asset valuation and insurable-value assessments — replacement value, reinstatement value and business interruption sums insured, built on our in-house ECSA-registered engineering capability.
- Post-incident root-cause investigation and lessons-learned reviews, feeding directly back into loss adjusting expertise.
Insurance & risk transfer advisory
- Insurance programme review and gap analysis — adequacy of cover, policy wording review and under-insurance exposure.
- Risk-based insurance placement advisory and broker liaison support — structuring towers, limits and deductibles (advisory, not underwriting).
Business continuity & resilience
- Business continuity planning and business interruption exposure modelling.
- Enterprise risk management (ERM) framework design and implementation support, aligned to ISO 31000.
Governance & compliance support
- Third-party and contractual risk review — indemnity clauses, SLAs, municipal and PPP contract risk.
- Risk training and capacity building for boards, municipal officials and risk committees.
- Governance, risk & compliance (GRC) support for public entities and SOEs, including King IV and MFMA risk requirements for municipalities.
- Corporates and industrial groups with complex property and business interruption exposure
- Municipalities, metros and provincial disaster management centres
- State-owned enterprises and public infrastructure entities
- Insurers, underwriting managers and brokers needing independent technical input
Disaster Risk Management Solutions
Our claims and loss adjusting track record is what makes our advisory work credible — we know how insurers and disaster funders actually pay out, because we run the claims. Two focus areas support the flagship practice.
Risk Management Advisory
Risk registers and all-hazard exposure assessment, asset and insurable-value assessments, insurance programme review and gap analysis, business continuity and ISO 31000 ERM, plus governance support including King IV and MFMA requirements.
Explore Risk Management AdvisoryDisaster Risk Management Solutions
Disaster risk management strategy, contingency reserve structuring, parametric feasibility advisory, rapid post-event damage assessment, response and recovery grant packaging, and reconstruction tranche verification for public entities.
Explore Disaster Risk Management SolutionsCheap cover is no cover. Get the right advise on your side before the loss.
Gaps in cover, under-insurance and weak wording only show up after the event. We review your programme now so you are not left arguing about exclusions later.