Business Income

When a business is interrupted due to property damage, power outages or other reasons, we determine the income loss. To do so, we perform a detailed analysis of the insured's financial records, tax filings and industry data to ascertain the following:

The level of sales and expenses that would have been earned or incurred during the interrupted period.
Whether any external factors such as competition, pricing changes or industry changes impacted the operating results during the interruption period.
Whether historical operations were consistent with the business conditions at the time of the incident.
If the loss is permanent or if any income was deferred to a later period.
If all policy provisions are accounted for.

We present the loss calculation in accordance with the terms of the policy and provide a detailed reconciliation of any differences between our calculation and the claim, provided a formal claim was submitted. To learn more, read about our some of our business income cases.