Business interruption loss FAQ

Business interruption generally indemnifies lost profit and continuing ordinary expenses during the period of restoration. Extra expense covers additional costs you incur to mitigate the interruption, such as temporary space, expedited shipping, or outsourcing, above what you would have spent absent the loss. Policies differ; we map your facts to the operative form and endorsements.

Carriers typically request historical financials, point-of-sale or production data, payroll detail, and documentation tying the loss period to the peril. They compare your projections to industry benchmarks and saved expenses. Our work packages assumptions, data lineage, and sensitivity analyses so reviewers can trace every dollar.

We follow a structured approach: define the loss period, build a but-for revenue model using pre-loss trends and market evidence, identify non-continuing (saved) expenses, quantify continuing costs, and reconcile to actual books. The same framework supports insurance submissions and expert reports subject to Daubert and applicable state evidentiary standards.

Yes. We reperform carrier calculations, test coverage interpretations against the policy and fact pattern, and quantify alternative loss scenarios where appropriate. Findings can support re-opened claims, appraisal, mediation, or litigation alongside counsel.