Commercial impact insurance claims for business premises
When impact damage affects your business property, access or ability to trade, RSL Claims can assess the loss, prepare your impact damage insurance claim and deal with the insurer on your behalf.
Regulation
Experience
20+ years · Founded 2003
Response
24/7 support · On site within 24h
Full claim scope
What a commercial impact insurance claim can include
The process
How we handle commercial impact insurance claims
We organise the claim around the damage, its effect on your business and the evidence the insurance company needs, helping you pursue a fair settlement under your insurance policy.
1
Initial review
We discuss how the damage happened, which parts of the business are affected and what cover may apply before you make a claim.
2
Site assessment
We inspect the premises, record the damage and identify immediate issues affecting safety, access, security or your ability to continue trading.
3
Specialist input
Where technical issues require further investigation, we coordinate reports and evidence and liaise with your broker or other specialists where appropriate.
4
Claim preparation & negotiation
We prepare the repair scope and costs, negotiate with loss adjusters and insurance representatives, and challenge items that don’t properly reflect the full loss.
5
Repairs & settlement
We monitor agreed works, insurer payments and outstanding items, helping maximise the claim within your policy terms and work towards the best possible settlement available.
Has impact damage disrupted your business?
If impact damage has affected your premises, access, machinery or trading, RSL Claims can provide business impact insurance claim advice, deal with the insurer and help you pursue a fair settlement under your policy.
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
Commercial impact losses often go beyond the repair itself.
A damaged wall or shutter may be obvious, but the bigger issue can be what that damage does to access, production and day-to-day trading. For each client, we look at the wider business loss before the claim is agreed.
Rob Spence – Managing Director, Chartered Loss Adjuster.
Frequently asked questions
Common questions from business owners about commercial impact insurance claims
What is commercial impact damage?
Commercial impact damage is physical damage to business premises caused by a sudden collision or strike. This can include vehicle impact and other objects hitting the building, subject to policy terms.
Does commercial property insurance cover impact damage?
What your buildings insurance policy will cover depends on the wording, exclusions and circumstances. Many commercial policies include impact damage insurance for certain sudden events.
What should I do if a vehicle hits my business premises?
Keep people away from unsafe areas, photograph the damage where safe and record the vehicle, driver and insurer details. Notify your insurer, but avoid agreeing permanent repairs too early.
Can I keep trading while repairs are carried out?
Sometimes. Temporary access, alternative work areas or changes to how the premises are used may allow trading to continue while repairs are carried out. Reasonable extra costs may also fall under business interruption cover.
Can machinery and equipment be included in the claim?
Yes, where your policy provides cover and equipment has been damaged by the insured event. Specialist inspection may be needed where damage isn’t immediately obvious.
What happens if a third party caused the damage?
Your own insurer may still handle the claim, while recovery or compensation from the responsible party is dealt with separately, depending on the circumstances.
Can business interruption be included in a commercial impact insurance claim?
If insured impact damage causes closure, restricted access, reduced production or other disruption, business interruption cover may respond to lost income and certain extra operating costs.
Can RSL Claims help if the insurer has already inspected?
Yes, we can review the existing assessment, identify missing or undervalued items and take over communication where the repair scope or proposed settlement appears incomplete.
Do you handle commercial impact insurance claims in my area?
RSL Claims supports businesses across the North West of England and North Wales, including Liverpool, Wirral, Manchester, Warrington, Chester, Wrexham and the surrounding areas.
Get in touch
Free, no-obligation consultation on your fire 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.
Water
Burst pipes & water damage
We coordinate drying, repairs and claim management while helping minimise disruption to your business.
Interruption
Business interruption
We work alongside accountants and specialists to present lost income and increased cost claims properly.
Contents
Damaged contents
From office equipment to specialist machinery, we document and manage business contents claims clearly and professionally.