Experience Makes The Difference

KERR & HOLLAND have more than 60 years of combined experience and expertise


Business Interruption & Material Damage Claim Preparation

Few firms can match the level of expertise in claim preparation offered by . Our key personnel comprise seasoned professionals who hold dual insurance and accounting qualifications. As such, not only has the requisite skills to prepare Business Interruption claims on behalf of claimants but from time to time has undertaken independent reviews of complex or contentious Business Interruption claims at the request of Loss Adjusters and Insurers.

Since 1994, KERR & HOLLAND has been entrusted with the preparation of Business Interruption and Material Damage claims across Australia and internationally, ranging from thousands of dollars to in excess of $90M. Even though personnel are based in Sydney, small and large claims across Australia as well as overseas have been efficiently prepared, managed and settled.

Experience has shown that the best result for a claimant is achieved by appointing our firm as soon as possible after the loss or damage occurs.

Early appointment of our firm ensures that considerable value is added to the claim preparation process, as follows:

  • Benefits available under the policy can be identified and fully utilised;
  • Any coverage impediments can be identified at the earliest opportunity;
  • The full range of loss mitigation options and strategies can be carefully considered with the Insured and discussed with the Loss Adjuster, to ensure that a practical and effective loss management programme is implemented;
  • Early discussions are held with the Loss Adjuster in relation to the claim parameters and agreement reached in relation to loss mitigation strategies to be implemented;
  • Progress claims can be prepared seeking interim payments ensuring that vital cash flow is maintained post loss enabling ongoing financial commitments to be met.

Preparation of Material Damage and Business Interruption claims can be particularly time consuming. For a business with larger and/or complicated losses, claims can often take in excess of 12 months to prepare and finalise. Appointment of our firm to assist with claim preparation enables the business owners and management to devote more time to recovery of the business rather than dealing with claim related issues.

Our fee structure is extremely competitive and is substantially less than fees charged by major accounting firms.

As an added bonus, many of our clients find that the cost of our time to prepare the Material Damage and Business Interruption claims is covered by their insurance Policy.

Business Interruption
Policy Review

Business values are at risk should a significant business interruption-causing event occur. The business could be interrupted for example, by Damage from an Insured Peril such as fire, storm, cyclone, flood, earthquake, burglary or malicious damage. Insured Damage may arise at the business premises, to premises in the vicinity of the business or at suppliers' or customers' premises. A significant interruption-causing event may also occur following an interruption to the supply of public utilities such as gas, electricity or water.

A large proportion of Business Interruption claims that we have been involved with have had an element of underinsurance. This means that in the event of Insured loss or damage occurring causing an interruption to the business, the Business Interruption insurance cover in place did not adequately indemnify the Business for the financial losses suffered. The consequences for a business could be dire and, in certain circumstances, may result in the permanent cessation of the business.

extensive claims experience coupled with a thorough knowledge and understanding of Business Interruption principles and Policy wordings can assist insurance brokers and their clients in ensuring that the Insured Business has the appropriate level of Business Interruption insurance cover in place prior to a significant business interruption-causing event occurring.

Engaging to undertake a Policy Review will assist in ensuring that the Business Interruption insurance cover in place adequately indemnifies the Business should an Insured event occurs – whether it be minor or catastrophic.


can assist legal practitioners in the preparation or review of Economic Loss claims and can provide appraisal of Business Interruption and Material Damage claims in the event of disputes between Insureds and Insurers. can also assist with the verification of quantum in commercial liability recovery actions.

Training Seminars & Workshops

can tailor Business Interruption seminars and workshops to suit the needs of insurance brokers, insurers, insurance associations or other insurance related professionals.

Over the years, has presented numerous seminars and workshops to insurance brokers, insurance broking associations and insurers throughout Australia. Our seminars and workshops have been accredited by the National Insurance Brokers Association (NIBA) and the Australian and New Zealand Institute of Insurance and Finance (ANZIIF) in accordance with their respective continuing professional education programmes.