Business interruption claims handled on your behalf

When an unexpected event affects trading, RSL Claims helps establish the financial loss, prepare business interruption insurance claims and deal with the insurer on your behalf.

Start your claim

A business interruption claim may include:

Reduced turnover
Loss of gross profit
Continuing business costs
Increased costs of working
Additional expenditure
Losses during the insured period

See full claim scope

Regulation

FCA Authorised · Ref 305956

Experience

20+ years · Founded 2003

Response

24/7 support · On site within 24h

Loss of turnover

Where a business is unable to trade normally, the claim may account for reduced turnover compared with what it would otherwise have expected to achieve.

Loss of gross profit

Depending on the wording, the calculation may include a loss of profits using the definition set out in the policy rather than the figure shown in standard accounts.

Continuing costs

Some expenses continue even when trading is restricted. Eligible rent, wages and other ongoing costs may form part of the insurance cover.

Increased costs of working

Extra costs used to maintain trading or reduce losses may form part of an insurance claim for business interruption.

Temporary trading location

Costs linked to operating from alternative business premises may be included where this helps the organisation continue trading.

Equipment and outsourcing

Hiring replacement equipment or outsourcing work may form part of the claim where this reduces the financial impact and helps restore normal activity.

Staff costs

Wages and other employment costs may need to be considered where they continue while the organisation is unable to operate as normal.

Trading trends

Seasonality, growth, decline and recent performance may affect how the expected financial loss is calculated.

Recovery period

Losses may continue after reopening while trading recovers, with indemnity periods often set at 12, 24 or 36 months.

SERVICE AND SUPPORT

Making sure your business interruption claim reflects the full loss

Your claim should reflect what the business would likely have achieved without the interruption, taking account of previous results, current performance and relevant trading trends.

Policy definitions can also affect the figures. Turnover, gross profit and increased costs may be treated differently from standard accounts, while limits and conditions can affect what is covered. A loss assessor can review the financial evidence, assess the disruption and present the loss clearly to the insurer.

1

Free consultation and policy review

We discuss what happened and review your business interruption insurance policy to identify the applicable terms, limits and period of cover.

2

Assess the impact

We look at closure, reduced capacity, restricted access, cancelled work and other factors that may have left the organisation unable to operate as normal.

3

Establish the financial loss

We review accounts, management information and trading records to understand the loss of income and build a realistic picture of expected performance.

4

Prepare and present the claim

We organise the calculations and supporting evidence before presenting the claim to the insurance company and responding to questions about the figures.

5

Negotiate through
to settlement

We deal with the insurance provider, update the figures where needed and negotiate towards an agreed settlement.

Has an insured event affected your ability to trade?

If you’re dealing with a business interruption claim, RSL Claims can review the financial loss, assess the policy position and provide claim advice before settlement, including where the interruption sits alongside property damage or repairs.

Start your claim

Call 0151 632 6050

Recent settlements

+30–50% above insurer’s first offer

Range achieved across recent claim settlements. We treat each claim on its own merits – and never settle for the first number on the table.

Founder · Chartered Loss Adjuster

Talk to the founder

Your claim should reflect how your business actually trades.

A business can be back open and still be feeling the financial impact of an insured loss. We look beyond the immediate disruption, using the policy and trading records to understand the full loss and make sure the claim reflects how the business would otherwise have performed.
Rob Spence – Managing Director, Chartered Loss Adjuster.

Speak to Rob – 0151 632 6050

Frequently asked questions

Common questions about business interruption claims

Is business interruption insurance a legal requirement?

Business interruption insurance is not generally a legal requirement in the UK. It is usually optional cover that businesses choose to protect against the financial impact of certain insured events.

Is business interruption insurance included with buildings and contents cover?

Business interruption insurance may be included within a wider business insurance package or sold as an add-on to buildings insurance or contents insurance. The exact cover depends on the policy.

Does business interruption insurance always require physical damage?

Business interruption insurance can provide cover following insured property damage such as fire, flood, storm or escape of water. The policy wording will state if cover applies or not.

What happens if my business suffers a fire?

If your business suffers a fire, the property damage claim and business interruption claim may run alongside each other. The interruption element can account for the financial impact on trading while the business recovers.

What if my business holds a lot of stock or equipment?

If your business relies on a lot of stock or equipment, damage to those assets may have a direct effect on trading. The business interruption claim may need to show how that damage reduced sales, production or normal business operations.

What if only one business premise is affected?

If only one business premise is affected, the impact will depend on how that site contributes to the wider business. For multi-site companies, the effect on other locations may also need to be considered.

What if the policyholder has different types of commercial insurance?

Where a policyholder has several types of insurance, each section should be checked separately. Property, liability and business interruption cover can respond differently to the same incident.

Can RSL Claims help if my business interruption claim has already started?

Yes, RSL Claims can review an existing claim, assess how the loss has been presented and take over discussions with the insurer where appropriate.

Get in touch

Free, no-obligation consultation on your business interruption claim.

Tell us briefly what happened and we’ll come back to you as soon as possible. If we can help, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction. We cover the North West and North Wales – and travel further than 100 miles when a commercial claim warrants it.