How do business interruption claims get quantified, and what evidence is typically needed?

Business interruption claims are among the hardest to prove and the most frequently disputed, because they rest on a counterfactual: what the business would have earned but for the loss.

Insurers scrutinise the indemnity period, trend adjustments and the deduction of saved costs, and weak record-keeping quickly erodes the recovery. For a senior executive, an under-evidenced BI claim can leave a solvent-looking recovery far short of the real economic damage.

The report explains how BI quantification works in your chosen jurisdiction and industry, the calculation framework and common adjustment battlegrounds, and the evidence insurers expect.

It covers the warning indicators of an under-documented claim, indicative settlement ranges from published disputes, and when to engage forensic accountants, loss adjusters and coverage counsel.