Business Interruption Consultants
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Business professionals who subscribe, find it combines the latest technology with straightforward examples and explanations that inform, instruct, and END THE CONFUSION. Think of us as your B.I. Personal Assistant: Always available, for YOU! All the information required to design a Contingency Plan, including an outline and templates that determine an organization's risks, their impact, and the appropriate response.

The only interactive, industry-specific Business Income Worksheets that accurately and quickly calculate business income and extra expense exposures with the added flexibility to apply different scenarios according to your risk tolerance. YOU supply the numbers. WE do the calculations. The Insurance Policy: Simplified! is an analysis of the standard Commercial Property/Business Income policy that maximizes insurance protection by pointing out common gaps and traps that often result in little or no coverage.

Should a setback occur, a simplified, interactive Claim section with the necessary tools to calculate and submit your business interruption claim concisely and accurately, eliminating excess paperwork and ensuring timely payment.
Services
Analyzes commercial property and business income insurance policy for gaps and valuation issues.
Includes written report.
Meet with client for risk identification, financial analysis, and BI worksheet completion.
Meet with client to review insurance policy for gaps in coverage and valuation accuracy; operational review to identify bottlenecks and single points of failure; and financial analysis to determine financial impact.
Includes an outline of strategic decisions and establishment of return time/return point objectives.
Contrary to popular belief, disasters do happen, and they do not always happen to the other person.
Organizations need a Business Contingency Plan for protection of market share and brand reputation, regulatory compliance, maintenance of cash flow, protection of vital records, protection of assets and employees, and the survival of the company.
A Business Contingency Plan (BCP) is the formal documentation outlining what the business will do when disaster strikes.
It is developed by a business in preparation for a sustained, significant disaster, such as severe weather, fire, or terrorist attack.
The insurance policy is a contract and as such, is governed by its conditions, provisions, and exclusions.
Most insurance buyers do not read their contract before a claim, and as a result, receive far less compensation than they expected.
The purpose of the following outline is to identify the most common problem areas, as well as provide solutions for you to consider.
As always, you should discuss your particular needs with your insurance professional.
Businesses need to carefully review their insurance policies because it is a contract and dictates how claims will be paid.
Even if you don't want to use our services today, let us send you our free newsletter, B(Prepared!)!
Since most business owners do not know how to calculate their business income loss or present it to the insurance company, the standard procedure is for the insurance company's adjuster to hire a forensic accountant to do the calculations for the insured.
It is the insured's responsibility to tell the insurance company what they lost and how much they expect to be paid.
This is not a whimsical or unsubstantiated number, but a well-documented, calculated amount.
Why do I need to complete a Business Income worksheet?
It is used to estimate the net profits plus continuing expenses (Business Income) that a business would have realized had no loss occurred.
It is required if the policy provides agreed amount.
What is agreed amount?
The underwriter agrees to insure the loss of income for the amount that is being requested by the insured.
If I have agreed amount, why do I have a co-insurance percentage on the worksheet?
Our worksheets include the co-insurance percentage because it is the percent of a year that is being calculated.
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