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Expert Assistance With Business Interruption Claims

Your insurance doesn’t want to pay? Call us we don’t charge unless we win! 

Business interruption insurance is intended for multiple reasons. It promises to compensate the insured for the income that was lost during the time period of interruption resulting from the disaster. Extended business interruption coverage pays for the income that is lost after the property is repaired but before the income returns to the pre-loss level. Contingent business interruption provides the insured with coverage for loss to the property of suppliers or consumers of its products or services. 

The latter two business interruption options are extensions beyond a basic business interruption insurance policy. Overall, business interruption insurance is intended to allow a business to return to normal operation after a disaster as though the disaster never occurred. Business interruption insurance cannot be purchased as a stand-alone policy but as an addition to the property insurance policy.

Standard time provisions on a business interruption policy are defined as the starting date of the peril, through the repair, and to the restored condition of the loss.

When filing a business interruption claim, a few supporting documents are needed. These documents include business expense reports, business revenue reports, details regarding business history, number of employees, and more. Our expert insurance attorneys will guide you through the entire process. Call us today for a free consultation.

The basis business interruption claim formula is:

Net Income + Continuing Expenses + Extra/Additional Expenses = Business Interruption Loss

There are several elements to be inspected when handling a business interruption claim. Utility costs, payroll, taxes, and additional advertising are some factors that can be overlooked. A thorough inspection is crucial. 

While a business interruption policy may appear complicated and extraneous, it can be the difference between life or death for your business. 

Need More Information?

If you run into any issues as a policyholder with your business interruption insurance claim, contact the attorneys at Manuel Diaz Law Firm, PC for a free consultation. We don’t charge unless we win.


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