business interruption claims examples: 7 Powerful Real-World Wins

When Disaster Strikes: Understanding Business Interruption Claims

Every business owner hopes they’ll never need to file an insurance claim, but when disaster strikes, understanding business interruption claims examples can make the difference between recovery and permanent closure.

When unexpected events force your doors to close, the financial impact can be overwhelming. According to FEMA, approximately 25% of small businesses never reopen after a disaster strikes. That’s a sobering statistic that highlights why business interruption insurance is so vital to your company’s survival strategy.

Think of business interruption coverage as your financial safety net during those difficult times when physical damage prevents normal operations. It bridges the gap by covering lost income and ongoing expenses while you rebuild and recover.

Most policies require “direct physical loss” to trigger coverage—this means tangible damage to your property from a covered peril such as fire, storm, or vandalism. Once triggered, your policy covers losses during the “period of restoration,” which is the time reasonably needed to repair or replace the damaged property.

Fire damage claims are among the most common. Imagine a restaurant forced to close for three months after a kitchen fire. Beyond the physical damage, the owner faces lost profits during what would have been their busiest season, while still needing to pay rent and retain key staff. Business interruption coverage helps manage these ongoing costs while rebuilding takes place.

Natural disasters create similar challenges. A beachfront hotel shut down for six weeks after hurricane damage not only loses immediate revenue but may miss out on peak tourist season bookings. The right coverage helps offset these losses and additional relocation expenses.

Even short disruptions can significantly impact your bottom line. A utility outage that forces a retail store to close for just two days can result in substantial lost sales, product spoilage, and extra expenses to recover. Many business owners don’t realize these shorter interruptions may also qualify for coverage.

Sometimes, the government itself can interrupt your business. Civil authority claims arise when officials restrict access to your business due to nearby hazards, such as a fire in an adjacent building. Though your property may be undamaged, you’re still losing income—and the right policy covers these losses.

Supply chain disruptions can be equally devastating. A manufacturer might find themselves idle after their key supplier’s facility suffers damage. With contingent business interruption coverage, these downstream losses from damage to a dependent property can be recovered.

As one insurance expert wisely notes, “Resolving a claim is more than a financial exercise. It is making sure your story is understood.” This perfectly captures why properly documenting and presenting your claim is just as important as having the right coverage.

Whether you’re facing a holiday season shutdown due to fire damage or a hurricane closure during your peak revenue period, knowing what documentation to gather and how to present your claim can dramatically improve your outcome. The difference between a denied claim and full recovery often comes down to understanding the process and having expert guidance through this challenging time.

Understanding Business Interruption Insurance Basics

When disaster strikes your business, the financial fallout can be devastating. That’s where business interruption insurance comes in – not as a standalone policy, but typically added as an endorsement to your property insurance or included in a comprehensive Business Owner’s Policy (BOP).

Think of it as your business’s financial safety net when the unexpected happens. When a covered event damages your property and forces you to close your doors, this coverage helps replace the income you would have earned had the disaster never occurred.

According to the 2024 Allianz Risk Barometer, business interruption ranks as the second most significant concern for businesses worldwide, with 31% of respondents citing it as a top worry. Only cyber incidents (36%) ranked higher, with natural catastrophes (26%) coming in third. These numbers highlight just how critical this risk is for businesses of all sizes.

What does business interruption insurance typically cover? It’s more comprehensive than many business owners realize:

• Lost net income (based on your financial records)
• Ongoing mortgage, rent, and lease payments
• Loan payments that don’t stop when disaster hits
• Taxes that still come due
• Employee payroll to retain your valuable team
• Temporary relocation expenses to keep operations going

Most policies include a “waiting period” of 24-72 hours before coverage kicks in – think of this as a time-based deductible. Your coverage then extends through the “period of restoration” or “period of indemnity,” which is typically the time needed to repair or replace damaged property with “reasonable speed and similar quality.”

What Triggers a Claim?

For your business interruption claims to be valid, several conditions typically must align:

First, there must be direct physical loss or damage to your insured property. This damage must be caused by a covered peril as defined in your policy. Your business operations must have a necessary suspension, and you must experience an actual loss of business income during the restoration period.

The most common triggers for business interruption claims examples include:

Fire damage often leads the pack, causing severe damage to buildings and equipment that can force lengthy closures. We’ve seen countless businesses face months of rebuilding after even relatively contained fires.

Hurricanes and storms bring wind damage, flooding, and power outages that can shut down operations for days, weeks, or even months – particularly relevant for Florida businesses.

Power outages can trigger coverage when utility service to your business is interrupted due to a covered peril, like a storm damaging a power substation.

Civil authority orders occur when government officials prohibit access to your business due to damage to nearby properties – even if your property wasn’t directly damaged.

Contingent business losses happen when damage to a supplier’s or customer’s property affects your operations, potentially covered under contingent business interruption provisions.

Key Coverage Parts

Business interruption insurance isn’t one-size-fits-all. It typically includes several distinct components that work together to protect your business:

Business Income Coverage replaces the income your business would have generated during the interruption, including both net profit and continuing expenses. This is the core of what keeps your business financially afloat during recovery.

Extra Expense Coverage pays for those reasonable additional costs beyond normal operating expenses that allow your business to continue operations while property is being repaired. This might include temporary relocation costs, equipment rental, overtime pay, or expedited shipping fees.

Dependent Property Coverage protects against losses when a business you depend on (like a key supplier or major customer) suffers physical damage that impacts your operations, even though your property remains undamaged.

Service Interruption Coverage addresses losses resulting from interruption of utility services like electricity, water, or communications due to a covered cause of loss.

Ordinance or Law Coverage pays for increased costs and extended downtime caused by having to comply with current building codes during rebuilding – particularly important for older buildings.

As James Lynch from the Insurance Information Institute notes, “Business interruption can also apply when a nearby business sustains direct physical loss or damage and a civil authority like the government closes all businesses as a result.”

Understanding these basics is your first step toward protecting your business from interruption losses. But when disaster strikes, having an experienced public adjuster on your side can make all the difference in getting the full settlement you deserve.

7 Real-World Business Interruption Claims Examples

When disaster strikes, nothing helps understand the value of proper insurance like seeing how claims play out in real life. These business interruption claims examples showcase different scenarios that businesses just like yours might face. Let’s explore seven real cases that illustrate how this coverage works when you need it most:

FIRE: Retail Store Rebuild & Lost Holiday Sales (business interruption claims examples)

Picture this: An Orlando gift shop owner arrives one October morning to find her store engulfed in flames. With the holiday shopping season just weeks away, this electrical fire couldn’t have happened at a worse time.

The three-month closure threatened everything she’d built. Thankfully, her business interruption policy stepped in, covering not just the $175,000 in lost profits based on previous holiday seasons, but also continuing payroll for her key staff, rent payments, and $30,000 for a temporary pop-up location at a nearby mall.

What saved her business? The extended period of indemnity endorsement that provided an extra 30 days of coverage after reopening while sales gradually returned to normal. As she later told us, “Without that extended coverage, we would have survived the repairs but died during the comeback period.”

HURRICANE: Coastal Hotel Shut Down for Repairs

When a Category 3 hurricane slammed into Pensacola, a beachfront hotel owner watched in horror as wind tore through his roof and water damaged 60% of his rooms. The mandatory 8-week closure during peak tourist season threatened financial disaster.

The claim quickly became complicated. Was the damage from wind (covered under the property policy) or flood (covered under a separate flood policy)? This distinction created headaches in determining which policy covered which portions of the business interruption.

After careful documentation of the hotel’s seasonal revenue patterns showing substantially higher income during this period, the insurer paid $320,000 for the business income loss. The calculation incorporated previous years’ occupancy rates and average daily room rates, adjusted for current market trends.

The key takeaway? Businesses in hurricane zones need both wind and flood coverage with business interruption provisions under each. And detailed seasonal revenue records are worth their weight in gold during claims.

POWER OUTAGE: Restaurant’s One-Day Closure Paid in Full

Sometimes even a single day matters enormously. A Florida restaurant lost power on July 4th—typically their highest-grossing day of the year—when a severe storm knocked out electricity to the entire area.

Unlike standard policies with frustrating 72-hour waiting periods, this savvy owner had specialized coverage beginning “at minute one.” By submitting recent sales data, applicable sales tax percentage, and profit/loss statements, the restaurant received $3,000 for just one day’s closure—a significant sum for a small business on a holiday.

This case shows why policy details matter. For businesses where even brief interruptions cause substantial losses, eliminating waiting periods can be a game-changer.

FLOOD AT SUPPLIER: Manufacturer’s Contingent BI Claim

Supply chains can be surprisingly fragile. A Florida manufacturer learned this lesson when flooding in Thailand damaged their key supplier’s facility, halting shipments of a critical component for three months.

Fortunately, their contingent business interruption coverage responded because they had specifically listed this supplier in their policy. The insurer paid $245,000 for lost manufacturing profits plus $30,000 in extra expenses for expedited shipping from an alternative (but more expensive) supplier.

“We didn’t realize how vulnerable we were to a single supplier’s disruption until it happened,” their risk manager admitted. This case highlights why businesses with critical supply dependencies should consider contingent business interruption coverage and specifically name key suppliers in their policies.

CIVIL AUTHORITY: Downtown Café Closed by Government Order

When a neighboring building’s structural collapse prompted city officials to block access to an entire downtown Orlando block for safety reasons, a café owner found herself in a bind. Her business was perfectly fine—but completely inaccessible to customers for five days.

Her business interruption policy included civil authority coverage, which applies when government actions prohibit access due to physical damage to nearby property. After applying the policy’s 72-hour waiting period, the insurer paid approximately $4,500 for the remaining two days of closure.

The café owner learned that documenting official orders is crucial—she needed to prove the government specifically prevented access to her business. This case demonstrates both the value and limitations of civil authority coverage.

WILDFIRE SMOKE: Outdoor Attraction’s Attendance Plunge (business interruption claims examples)

Sometimes the problem isn’t damage to your property, but something affecting the reason people visit. An outdoor trip park in Florida saw visitor numbers plummet when nearby wildfires created hazardous air quality for three weeks. While the park itself remained undamaged, customers canceled in droves due to smoke concerns.

The park had wisely purchased leader property coverage (also called attraction property coverage), which protects businesses when damage to nearby attractions results in decreased business. After initially disputing whether smoke constituted “physical damage” to the nearby state forest that drew visitors, the insurer ultimately paid $85,000 for lost income during the period when air quality was officially designated unhealthy.

This case shows why businesses dependent on outdoor activities or tourism should consider specialized coverage that addresses indirect impacts on customer behavior.

PANDEMIC SHUTDOWN: Claim Denied for Lack of Physical Damage

Not all claims succeed, as many business owners finded during COVID-19. When an Orlando retailer was forced to close for two months during pandemic shutdowns in 2020, their business interruption claim was denied—despite arguments that potential virus presence constituted “physical damage.”

The policy contained both a virus exclusion and required direct physical loss or damage to property. Like most COVID-19 business interruption claims, subsequent litigation failed, with courts ruling that government shutdown orders didn’t constitute “direct physical loss” and that virus exclusions clearly applied to pandemic-related closures.

As one insurance law professor explained, “The virus… leaves no visible imprint.” Standard business interruption policies require tangible, physical damage to trigger coverage and often contain specific virus exclusions—limitations the pandemic brought into sharp focus.

These business interruption claims examples demonstrate why understanding your policy details before disaster strikes is so important. At Global Public Adjusters, we’ve seen how proper coverage and documentation can make the difference between recovery and financial ruin. Every business has unique vulnerabilities that require specific protection strategies—something worth discussing with a professional before you need to file a claim.

Coverage Types and Smart Endorsements

When it comes to protecting your business from unexpected interruptions, not all insurance policies are created equal. Let’s explore how different coverage types and endorsements can be custom to fit your specific business needs.

Business interruption insurance works like a financial safety net during those critical periods when your doors are closed but your expenses keep coming. The right endorsements can transform a basic policy into a comprehensive shield against disaster-related losses.

Boosting Protection With Add-Ons

Think of policy add-ons as upgrading from basic cable to premium channels – they improve your coverage in ways that might prove invaluable when disaster strikes.

Service Interruption Coverage is like having backup generators for your insurance policy. When utilities fail due to covered events, this endorsement keeps your financial power running. Most policies limit coverage to utility equipment within a specific distance of your property and include waiting periods of 24-48 hours. Be careful though – some exclude overhead transmission line failures, which are common during storms.

Ordinance or Law Coverage addresses a frustrating reality many business owners face after damage: your building may need expensive upgrades to meet current codes during rebuilding. This is particularly important if your business operates in an older structure. As one client told us after a fire, “I never imagined I’d have to completely rewire my entire building just to replace one damaged section.”

Cyber Business Interruption has become essential in our digital world. When ransomware locks your systems or a data breach shuts down operations, this coverage helps replace lost income. With businesses increasingly dependent on technology, cyber interruption protection is no longer optional – it’s necessary.

Dependent Property Coverage protects you when damage happens somewhere else but impacts your business. If your key supplier’s warehouse burns down or the popular attraction next door closes after a storm, this coverage helps offset your resulting losses. You can structure it to cover specific named properties or use blanket coverage for all suppliers and customers.

As we often tell our clients at Global Public Adjusters, “The fine print matters more than the large print.” Policy language varies dramatically between insurers, making it crucial to work with experts who understand these nuances.

How Much Coverage Do You Need?

Determining appropriate coverage amounts requires looking at your business through a financial lens while considering worst-case scenarios.

Gross earnings and future profits form your baseline. Review your financial statements carefully, paying attention to growth trends and seasonal patterns. A business that makes 40% of its annual revenue during holiday months needs different coverage than one with steady year-round income.

Recovery timeline considerations are critical but often underestimated. How long would it really take to rebuild your property after a total loss? Construction timeframes in Florida can be especially challenging during busy seasons or after widespread disasters. Equipment replacement, permitting processes, and supply chain delays can extend your downtime far beyond initial estimates.

Location risk plays a significant role in coverage decisions. Businesses in hurricane-prone areas like Orlando face different interruption risks than those in other regions. When widespread damage affects an entire community, recovery times typically increase as contractors, materials, and inspectors become scarce resources.

Seasonal trends might be the most overlooked factor in coverage planning. If your business interruption claims examples include a hotel during spring break or a retailer during December, the financial impact would be dramatically different than the same interruption during slower periods.

Most insurance professionals recommend coverage sufficient for at least 12 months of operations, though businesses with specialized equipment or in high-risk areas often need longer coverage periods. After major disasters like hurricanes, rebuilding often takes significantly longer than expected.

For more information about specific coverage options, the Insurance Information Institute offers an excellent overview of Business Interruption Insurance fundamentals.

Filing & Maximizing Your Business Interruption Claim

When disaster strikes and your business operations grind to a halt, how you handle the next steps can make all the difference in your financial recovery. Taking prompt, organized action isn’t just good practice—it might save your business.

Must-Have Documentation

The strength of your business interruption claims examples we’ve seen succeed over the years all share one thing in common: rock-solid documentation. Think of your claim as telling your business’s story through numbers and evidence.

Your financial statements are the backbone of any successful claim. Insurers need to see profit and loss statements, balance sheets, and tax returns from at least the previous two years. These records establish your normal business performance—the baseline your insurer will use to calculate what you’ve lost.

Historical sales data speaks volumes, especially when showing the same time periods from previous years. If your disaster happened during your busiest season, those seasonal patterns become crucial evidence of what you would have earned.

Continuing expenses don’t stop just because your business did. Your mortgage or rent, utilities, loan payments, and taxes march on relentlessly. Documenting these ongoing costs helps ensure they’re covered while your revenue is interrupted.

“The photos you take in those first hours after a disaster are worth their weight in gold,” as one of our clients finded after a kitchen fire. Visual evidence of physical damage addresses the “direct physical loss” requirement that triggers most policies. Walk through with your phone and capture everything—even details that seem minor at the time.

Those extra costs you’re incurring to keep some semblance of business going? Track every penny. Whether it’s renting a temporary space, leasing equipment, paying overtime, or expedited shipping fees, these extra expenses often have separate coverage provisions in your policy.

As one business owner told us after working through a complicated claim: “When the loss is substantial, it’s penny-wise and pound-foolish not to get your own accountant.” Professional help organizing financial data isn’t just convenient—it can dramatically impact your settlement.

Working With Experts

Complex business interruption claims rarely reach their full potential without professional guidance. It’s like trying to represent yourself in court—technically possible, but rarely the best approach.

At Global Public Adjusters, Inc., we’ve spent decades helping Florida business owners steer the claims maze. With over 50 years of combined experience, our team understands the nuances of policy language that can make thousands of dollars of difference in your settlement. We become your advocate, handling documentation, loss calculations, and all those exhausting negotiations with insurance adjusters.

Forensic accountants bring specialized expertise to the table. They’re like financial detectives, analyzing your records to calculate not just what you lost, but what you would have earned if disaster hadn’t struck. Their detailed projections and professionally prepared reports carry significant weight with insurers who might otherwise question your calculations.

Sometimes, despite everyone’s best efforts, claims hit roadblocks. That’s when legal counsel with insurance expertise becomes invaluable. They can interpret complex policy provisions, address coverage disputes, and if necessary, manage litigation. They’re particularly helpful when bad faith issues arise.

We’ve guided countless businesses through interruption claims in Orlando, Pensacola, and throughout Florida. What makes our approach different is understanding both the local business climate and the tactics insurance companies use to minimize settlements. As one restaurant owner told us after a hurricane claim, “Having someone who spoke the insurance company’s language made all the difference between survival and closing our doors for good.”

The documentation you gather today builds the foundation for your financial recovery tomorrow. The right expert guidance transforms that documentation into the strongest possible claim.

Common Pitfalls and Claim Denials (and How to Avoid Them)

Even the most legitimate business interruption claim can hit unexpected roadblocks. Let’s explore the common reasons claims get denied and how you can steer around these obstacles.

Avoid These Errors

Time and again, we see businesses stumble on the same pitfalls when filing claims. The good news? With a little knowledge, you can sidestep these common traps.

Late notice is perhaps the most preventable reason for claim denials. I remember a jewelry store client who waited nearly two months to report water damage because they thought they could handle the repairs themselves. By the time they realized the extent of their business interruption, their insurer cited the delayed reporting as grounds for denial. The lesson? Always report potential claims immediately, even if you’re unsure about coverage or think the damage seems minor.

Missing the causal link between physical damage and your business income loss is another frequent stumbling block. Your claim needs to clearly demonstrate how the physical damage directly caused your operational disruption. As one client put it after their successful claim: “I had to show not just that my restaurant was damaged AND that I lost money, but that I lost money BECAUSE my restaurant was damaged.” This distinction matters tremendously.

Long-term damage issues like mold, slow leaks, or gradual deterioration often fall outside policy coverage. Most policies specifically exclude losses from continuous or repeated seepage occurring over 14 days or more. We worked with a boutique owner whose claim was denied because what appeared to be sudden water damage was actually traced to a slow leak that had been occurring for months.

Insufficient record-keeping can cripple even the most legitimate claim. Without proper financial documentation, proving your loss becomes nearly impossible. I always advise clients to maintain off-site backups of critical financial records and regularly update their business continuity plans. One restaurant owner told me, “The fire destroyed our computer system, but because we had cloud backups of our sales data, we could prove exactly what we would have earned during our busiest season.”

Failure to mitigate losses is a responsibility many business owners don’t realize they have. Your policy likely requires you to take reasonable steps to minimize the impact of the damage. This might mean setting up temporary operations, rescheduling rather than canceling orders, or arranging repairs during off-hours to maintain partial operations. Insurers look favorably on businesses that demonstrate this good-faith effort.

Misunderstanding waiting periods catches many business owners by surprise. That 24-72 hour period before coverage kicks in effectively functions as a time-deductible, meaning short interruptions might not qualify for any coverage at all.

What If Your Claim Is Denied?

Receiving a denial letter doesn’t have to be the end of your claim journey. You have several paths forward:

Request a detailed explanation first. Ask the insurer to specify exactly why your claim was denied, citing the relevant policy provisions. Sometimes, denials result from simple misunderstandings that can be cleared up with additional documentation.

Consider the appraisal process which is built into many policies specifically for resolving disputes about the amount of loss. This involves you selecting an independent appraiser, the insurer selecting theirs, and these two appraisers choosing a neutral umpire. If any two of these three agree on a valuation, that decision becomes binding. This process can be faster and less expensive than litigation.

Explore mediation as another alternative. This non-binding process brings both parties together with a neutral mediator to seek resolution. We’ve seen many seemingly deadlocked claims resolve successfully through skilled mediation.

Litigation becomes an option when other approaches fail. Be aware of your policy’s “suit limitation” clause, which typically requires legal action within one to two years after the date of loss. Missing this deadline can permanently bar your claim.

At Global Public Adjusters, Inc., we’ve found that professional representation early in the claims process often prevents denials altogether. Our deep familiarity with Florida insurance regulations allows us to anticipate potential issues before they become problems. Many clients tell us their only regret was not calling us sooner—before they were already tangled in a dispute with their insurer.

Remember: insurance companies manage thousands of claims and have teams of adjusters protecting their interests. Shouldn’t you have an experienced professional advocating for yours?

Frequently Asked Questions about Business Interruption Insurance

What is the “period of restoration” and why does it matter?

The period of restoration is essentially your coverage timeline – it starts when disaster strikes and ends when your business should reasonably be back up and running. Think of it as the “we’ve got your back” timeframe during which your insurer will cover your losses.

This period matters tremendously because it determines how long you’ll receive financial support. Most standard policies cover about 30 days, but here’s a tip many business owners miss: you can often extend this protection significantly. With the right endorsement, your coverage could last 360 days or even up to 720 days for complex businesses with specialized equipment.

Even better, many policies offer an “extended period of indemnity” that continues coverage after repairs are complete. This recognizes a crucial business reality – just because your doors are open again doesn’t mean customers will immediately return at pre-disaster levels. This extension gives you breathing room while your revenue rebounds.

Does business interruption cover payroll and rent simultaneously?

Absolutely! One of the most valuable aspects of business interruption coverage is that it typically handles multiple ongoing expenses at once. Your rent or mortgage, property taxes, loan payments, and employee payroll can all be covered simultaneously while your business recovers.

This simultaneous coverage is what allows you to keep your team intact and maintain your location during downtime. Without it, many businesses face impossible choices between paying employees or keeping their commercial space.

That said, some policies include limitations worth watching for. Your coverage might restrict payroll to only essential employees or cap certain expenses after a specific time period. At Global Public Adjusters, we recommend carefully reviewing these details before disaster strikes – not after when it’s too late to adjust your coverage.

How do insurers calculate lost profits?

The basic formula insurers use is deceptively simple:

Lost Business Income = Net Income + Continuing Expenses – Saved Expenses

Behind this formula, however, lies a complex analysis that can significantly impact your settlement. Insurers typically build their calculation by:

First, establishing what your business would have earned during the interruption by examining your historical performance. They’ll look at the same period in previous years, any growth trends, seasonal patterns, and current market conditions. Any confirmed contracts or orders you can document strengthen your case tremendously.

Next, they subtract expenses you didn’t incur while closed (think utilities you didn’t use, supplies you didn’t need to purchase, or temporary staff you didn’t employ).

Finally, they add back the continuing expenses you’re still obligated to pay despite being closed.

This calculation becomes particularly challenging for seasonal businesses, rapidly growing companies, or those in fluctuating markets. A retail store forced to close during December faces very different losses than one closed in February. Similarly, a three-year-old business showing 40% annual growth needs different analysis than a stable 20-year-old company.

This complexity explains why professional help often leads to significantly better settlements. Our team at Global Public Adjusters has seen countless cases where expert analysis revealed thousands in additional legitimate losses that business owners would have otherwise missed.

Conclusion

When disaster strikes your business, the path to recovery often hinges on having the right coverage and knowing how to steer the claims process. As we’ve seen through these business interruption claims examples, proper insurance can truly be the difference between reopening your doors or closing them permanently.

At Global Public Adjusters, Inc., we’ve walked alongside countless Florida businesses through their darkest hours. From Orlando restaurants recovering after devastating fires to Pensacola hotels rebuilding after hurricanes, our team brings over 50 years of combined experience to every claim we handle. We understand both the technical fine print of insurance policies and the very real human struggles of business owners trying to stay afloat during unexpected closures.

Think of business interruption insurance as your financial life raft in stormy waters. But remember—this coverage doesn’t stand alone. It’s typically added to your property policy or included in a comprehensive business owner’s policy. Most importantly, it generally requires physical damage from a covered peril to trigger protection.

Your documentation serves as the foundation of any successful claim. Those profit and loss statements you file away each month? The sales reports you review quarterly? They become invaluable evidence when you need to demonstrate what your business would have earned during a closure. Keep these records updated and backed up off-site—you’ll thank yourself if disaster ever strikes.

Consider strengthening your coverage with strategic endorsements. An extended period of indemnity can cover the slow ramp-up after reopening. Dependent property coverage protects you if your key supplier suffers damage. Service interruption protection kicks in when utilities fail. These add-ons might seem like unnecessary expenses during good times, but they can prove invaluable during a crisis.

When facing an interruption, time is quite literally money. Prompt notification to your insurer starts the clock on your claim. And having professional representation—someone who speaks the language of adjusters and understands the tactics insurers use to minimize payouts—can dramatically impact your recovery amount.

The business world will always face uncertainties—from hurricanes that we can somewhat predict to supply chain disruptions that emerge without warning. While you can’t prevent every possible interruption, you can absolutely prepare for financial recovery. Review your coverage annually, understand what your policy actually covers (not just what you hope it covers), and consider partnering with experts who’ll stand in your corner when you need to file a claim.

For personalized guidance on your business interruption coverage or help with an existing claim, reach out to our team at Global Public Adjusters, Inc. We’re ready to help ensure your business can weather any storm—both the literal and figurative ones.