Commercial Theft Case Study


Thieves broke into a cemetery in a remote location and stripped the Prayer Hall roof of its metal panels. There were concerns over liability because there were differences between the broker’s renewal presentation and the wording in Insurers’ policy document. We did not see eye to eye with Loss Adjusters about the scope of the damage caused as a result of the insured event. A large regional firm of building contractors won the tender process and were awarded the contract to reinstate, but shortly before work was due to commence they went into liquidation.

How we helped

As part of their policy the claimant had bought loss assistance insurance to provide a claims handler to represent them in the event of a claim; but they preferred to engage us due to the complexity of the claim. We scrutinized the policy wording and obtained acceptance of liability. Then, following protracted negotiations with Loss Adjusters we reached a very satisfactory settlement with regard to quantum. Regarding the liquidation of the building contractor, we liaised with them, the claimant and surveyors to evaluate the best options available to our clients.


Our tenacity and expertise led to the reinstatement of the Prayer Hall to its former glory. Furthermore we were able to keep the cemetery fully functional throughout, thereby ensuring that our client was able to discharge their duties towards their community members.


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