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Public Adjusters for Commercial Business Interruption

Your company can be affected by an unexpected natural or man-made disaster that stalls your operations indefinitely. Your business interruption insurance will be critical to your survival. Do you know what your business is entitled to under the terms of your insurance policy?

An interruption to your business can be difficult to measure.

Business interruption insurance is meant to cover the amounts you would be expected to earn if the disaster had not happened and suspended your operations. When negotiating a business interruption claim with your insurer, a key part of a business interruption claim is determining the extent of the period of interruption and for how long the insurer will pay on the claim. There are several areas of business interruption claims that can be subjective, so it may not be a straightforward discussion with your insurer. If they are tending to their interests, who’s looking out for you?


Our public adjusters have unmatched experience in successfully negotiating business interruption insurance claims to help you to mitigate the extent of your losses. We evaluate all the variables of your loss and prepare a comprehensive claim to present to your insurer to help you achieve financial recovery and get back in business.

What To Focus On After Business Interruption

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • Can my in-house accounting staff handle my claim?
  • Should I give the insurance company’s accountant everything he/she is asking for right away?
  • Will the insurance company advance money to continue my operations?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • Can I keep paying my employees?
  • The insurance company is engaging a forensic accountant. What is his/her role? Why can’t you just have your accountant prepare your claim? Understand that you will need to share your financial statements. You may also have to produce your tax returns. Can you recast your financial statements? If so, why?

  • Is there coinsurance in your policy? If there is, what does it mean? If there is, did your insurance adjuster explain it to you?
  • Are you entitled to an advance from the insurance company? What is reasonable?
  • Utilizing proformas/budgets to calculate loss of income.
  • What are expediting expenses? How do they differ from extra expenses?
  • What are extra expenses? What can be included?
  • How do you project lost sales? What about new products? Sales declines