Specialist public loss adjustment company Insurance Claims Africa (ICA) has expressed disappointment, but no surprise, at major insurance company Santam’s latest manoeuvre in the seven-month-long legal struggle regarding the paying out of the business interruption insurance claims of small and medium enterprises (SMEs) in the hospitality and tourism sector. Santam has now agreed to pay these claims, which stemmed from the Covid-19 pandemic, but insists it will only pay out three months’ worth of losses, even though many of its policyholders have six-, 12-, or 18-month coverage for losses in their contracts. The insurer has adopted this position even though an appeal is pending at the Supreme Court of Appeal (SCA) concerning the indemnity period. (This is the period for which policyholders can claim for losses.)