Business Interruption Claims in New England

Business-interruption (BI) coverage pays for the income you lose while a covered physical loss makes your premises unusable, plus the extra expense of continuing to operate — a temporary location, expedited repairs, added labor. It typically runs through the "period of restoration" — the time it should reasonably take to restore operations. Related coverages can include extended business income and civil-authority access loss.

Building a BI claim means reconstructing what the business would have earned but for the loss, using historical financials, trends, and the specifics of the shutdown.

BI is where the largest commercial underpayments happen, because it's a projection, not a receipt — and the carrier's accountants are motivated to make the number small. They shorten the period of restoration, understate lost revenue, dispute the extra-expense items, and pressure you to reopen before you actually can. Owners handling this alone rarely have the time or the documentation to counter a carrier's BI expert.

We build the BI claim from your financial records — historical performance, trends, and the real restoration timeline — and document the extra expense of keeping the business alive. We go head-to-head with the carrier's forensic accountants, defend a realistic period of restoration, and make sure the income loss is recovered rather than negotiated away.

Business interruption is usually the biggest number in a commercial claim and the one carriers work hardest to shrink. We build it from your financials and defend it against the insurer’s accountants.