Business interruption claims.
Material damage is only half of a commercial loss. Business interruption is where the real money often sits, and it needs to be calculated properly against your specific gross profit, indemnity period and increased cost of working.
What this claim really involves.
Business interruption claims are calculated against a policy definition of gross profit that is almost never the same as the accounting one. Insured Gross Profit, indemnity period, increased cost of working and average clauses all interact in ways that catch policyholders out. We work with your accountants to prepare a claim the insurer will pay.
Where business interruption claims go wrong.
The things we most often see mis-handled when a policyholder tries to run this type of claim on their own.
No cost. No obligation. We will tell you within one conversation whether this is a claim worth pursuing.
Start a free reviewCommon issues we see
- Business interruption ignored while attention is on the material damage
- Insured Gross Profit calculated on the wrong figure, triggering an average clause reduction
- Indemnity period argued at 12 months when the recovery curve genuinely takes 18 to 36
- Increased cost of working refused on the basis that it was already covered by gross profit
- Payroll retention and staff redeployment not properly built into the claim
What KBR Management does
- Work with your accountant to calculate Insured Gross Profit against the actual policy definition
- Argue indemnity period on the true recovery curve of the business
- Include increased cost of working where the additional spend prevented a bigger claim
- Negotiate interim payments to fund reinstatement without breaking cash flow
How to appoint us
Call an assessor on 0800 980 2230, or send a note through the free review form. Please include the property postcode and, if you have it, the name of your insurer and the policy number. We will read your policy, look at the loss, and tell you honestly where you stand.
There is no obligation to appoint us after the free review.
About business interruption claims
Answers to the questions we hear most often about this claim type.