Food factory fire
The claim was refused by insurers. We were instructed and obtained an excellent settlement, which enabled the business to continue trading.
Business interruption claims
Business interruption claims
When damage stops your business trading, every week counts. Our specialists calculate your loss accurately and fight for the settlement that keeps your business going.
- Free assessmentNo obligation, no upfront cost
- No win, no feeWe don't get paid until you do
- Your own loss assessorFrom first call to final settlement
Independent loss assessors
Specialist help for complex claims
Business interruption claims are rarely simple. They involve your accounts, your trading history and assumptions about how your business would have performed if the damage hadn't happened. That makes them easy to underestimate.
We work through those complexities for you, with specialist accountancy support where a claim needs it. While your premises are being restored, we calculate your business interruption claim accurately to protect your organisation against financial loss.
We also take an active role in reducing the impact the incident has on your business, so you can recover and get trading again as soon as possible.
How we help
How we help with your business interruption claim
Accurate calculations
We calculate your loss of income in detail, using your own figures.
Increased costs
Extra costs of keeping the business running, such as temporary premises.
Evidence and records
We assemble the accounts and records the insurer needs to see.
Negotiation
We deal with your insurer and its loss adjuster on your behalf.
Back to trading
We work to get you operational again as quickly as possible.
Ready for liability
Everything in place for the moment your insurer accepts liability.
Your claim
Start your claim
Key terms in a business interruption claim
Business interruption policies use their own language. These are the terms you're most likely to come across.
- Loss of gross profit or revenueThe income your business loses because the damage stopped or reduced trading.
- Increased cost of workingExtra spending to keep the business going and reduce the loss, such as temporary premises or equipment.
- Indemnity periodThe maximum length of time your policy will pay for, starting from the date of the damage.
- Sum insuredThe most your policy will pay. If it's too low, your settlement can be reduced.
- Policy extensionsSome policies extend cover to situations such as damage at a supplier or loss of access to your premises.
- Material damageUsually, the interruption must be caused by damage that's covered under your property insurance.
Recent cases
How we've helped clients
Flood at a retail store
The insurers weren't happy to pay the claim. Once our legal specialists were involved, we quickly and decisively reached an excellent settlement.
FAQs
See all FAQs
Common questions
What does business interruption insurance cover?
It's designed to put your business back in the financial position it would have been in if the damage hadn't happened. Typically that means lost gross profit or revenue during the indemnity period, plus the increased cost of working to keep the business going. Exactly what's covered depends on your policy.
What is an indemnity period?
It's the maximum period your insurer will pay business interruption losses for, starting from the date of the damage. If recovery takes longer than the indemnity period, losses after it ends aren't covered, which is why it's important to understand yours early.
What information will I need?
Usually your recent accounts, management figures, trading records and evidence of extra costs. We tell you exactly what's needed and help you put it together.
Can you help if my business interruption claim has been rejected?
Yes. A rejection doesn't mean the insurer is right. We review the policy wording and the reasons given, and fight for the claim to be accepted and settled.
Related claims
All claims we handle
Other ways we can help
Get your first consultation free
Talk to an experienced loss assessor about your claim. No win, no fee.
Lines open Monday to Friday, 9am to 5pm.