Claim guide
Business Interruption Claims
A covered property loss can interrupt operations, but business interruption coverage and documentation requirements vary by policy. Contact your insurer and accounting or legal advisers for guidance specific to your business.
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First steps to consider
- Address employee and customer safety and document why operations are limited or paused.
- Notify the property insurer promptly and ask which policy provisions and records apply to a business income claim.
- Keep a clear timeline of closures, restricted operations, repairs, and any partial reopening.
- Preserve financial records and separate routine operating costs from extra expenses incurred because of the interruption.
Get organized
What to gather
- Monthly and annual profit-and-loss statements and relevant tax or accounting records
- Sales, payroll, inventory and operating expense records for relevant periods
- A timeline of the event, closures, reduced operations, repairs and reopening milestones
- Invoices and receipts for extra expenses, temporary locations, equipment or other mitigation measures
What happens next
How the claim process usually goes
- 1
The insurer reviews the reported physical loss and any potentially applicable business income coverage.
- 2
The business documents the period and extent of disruption, financial results, and additional expenses.
- 3
The insurer may request supporting financial records, explanations, or updated information as repairs progress.
- 4
Maintain organized copies of each submission and discuss policy interpretation or accounting questions with the appropriate qualified advisers.
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