Business Interruption Insurance Claims
Business Interruption Insurance Claims: Recover Every Dollar Your Policy Owes
When a fire, storm, flood, or structural failure forces your business to shut down or scale back operations, the financial damage extends far beyond the physical repair bill. Business interruption insurance coverage exists to bridge that gap — replacing lost revenue, covering ongoing fixed expenses, and funding the extra costs you incur to keep operations running. But settling a business interruption claim is among the most complex and contested processes in commercial insurance. Insurers routinely challenge the period of restoration, dispute revenue calculations, and exclude costs that should rightfully be covered.
Marinilli Adjusters is a licensed public adjusting firm serving businesses across Massachusetts and Rhode Island. We handle business interruption insurance claims from the ground up — documenting your loss, interpreting your policy, and negotiating directly with your insurer to secure the full settlement your business is entitled to.
Licensed Public Adjusters Helping Homeowners & Businesses Recover
When a covered property loss forces your business to shut down or scale back operations, the lost revenue and ongoing expenses can be just as damaging as the physical repairs themselves. Filing a business interruption claim alone can be complicated, time-consuming, and often results in underpaid settlements.
At Marinilli Adjusters, our licensed public adjusters in Massachusetts and Rhode Island specialize in fallen tree damage insurance claims, ensuring that your insurance company fulfills its obligations and provides a fair and full settlement.
Business Interruption Losses That Are Commonly Underclaimed
Business interruption coverage is triggered when a covered property loss forces a partial or full suspension of your operations. The types of losses that qualify — and that insurers most frequently dispute or undervalue — include:
- Lost net income your business would have earned during the period of restoration
- Continuing fixed expenses including rent, loan payments, and retained payroll that persist through closure
- Extra expenses incurred to minimize downtime — temporary relocation, equipment rental, or expedited fulfillment
- Civil authority coverage when a government order restricts access to your premises
- Dependent property losses when damage to a key supplier or customer location affects your operations
- Extended indemnity losses covering the recovery phase after your property is repaired but revenue hasn’t yet returned to pre-loss levels
Fees
With a Public Adjuster, there are no fees or upfront costs until we receive an agreed settlement. We charge up to 10% of the claim which is regulated by the Division of Insurance. We believe everyone should have quality representation. That’s why we work on a contingency-fee basis, which means you only pay us when all parties are made whole.
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How Insurers Dispute Business Interruption Insurance Coverage Claims
- They Compress the Period of Restoration: The period of restoration — the window during which you can claim lost income — is defined as the time needed to repair or replace damaged property with “reasonable speed.” Insurers define that term as narrowly as possible, cutting off income replacement well before your business has realistically recovered to pre-loss operating levels.
- They Use the Wrong Financial Baseline: Insurers often calculate lost income using annual revenue averages rather than the most comparable period — erasing seasonal peaks, recent growth, and pre-loss contracts from the calculation. A restaurant fully booked for the holiday season doesn’t get compensated on the basis of a slow spring average.
- They Dispute Continuing Expenses Aggressively: Not every fixed expense continues at full rate during a closure, and insurers use this to reduce or exclude coverage for costs that were in fact continuing — substituting their own judgment for your actual financial records and operational reality.
- They Push for Early Settlement Before the Full Loss Is Known: Business interruption losses compound over time through customer attrition, lost contracts, and damaged supplier relationships. Insurers move toward settlement while the scope is still developing, closing claims before the true ongoing cost of the interruption is fully realized.
Types of Businesses We Represent
- Restaurants and Food Service Operations
- Retail and Service Businesses
- Professional Service and Medical Firms
- Commercial Property Owners and Landlords
Who We Help
- Restaurants and Food Service Operations
- Retail and Service Businesses
- Professional Service and Medical Firms
- Commercial Property Owners and Landlords
What Marinilli Adjusters Does Differently on Business Interruption Claims
- We Build the Loss Calculation From Your Actual Records: We work from your tax returns, monthly profit and loss statements, sales data, payroll records, and pre-loss contracts — not the insurer’s preferred baseline. Every figure in our loss calculation is tied to your documented financial history, making it significantly harder to dispute.
- We Identify Every Coverage Your Policy Contains: Every commercial policy handles business interruption differently. We analyze your specific policy language in full — identifying all applicable triggers, endorsements, sublimits, and provisions including extra expense and civil authority coverage that standard claim handling routinely ignores.
- We Argue for an Accurate Restoration Period: We document the realistic timeline for your property repair and business restoration — accounting for contractor availability, permit timelines, supply chain delays, and equipment lead times — and push back against the compressed restoration window your insurer will try to impose.
- We Handle the Insurer Directly: From first notice of loss through final settlement, we manage every interaction with your insurance carrier. No more confusing documentation requests, lowball offers without explanation, or pressure to sign before your full loss is properly documented.
Frequently Asked Questions About Business Interruption Insurance Claims
Free Consultation for Business Interruption Claims — No Upfront Fees
If your business has experienced a covered property loss that forced a shutdown or slowdown, don’t let the insurer’s methodology become your final settlement. Marinilli Adjusters offers free consultations and free claim reviews with no obligation.
We analyze your policy, document your full income loss, and fight to recover everything your business interruption insurance coverage entitles you to — with no fees until we recover for you.