Calculate your covered BI loss the way your adjuster will — net income plus continuing fixed expenses, minus variable costs saved, plus extra expenses. Get the number right before you file.
The period of restoration — from loss date to reasonable reopening
Based on the same period in prior years — adjusted for seasonal patterns
Costs that kept running regardless of whether you were open
Costs you did NOT pay because you weren't operating — reduces your claim
Costs specifically to minimize the interruption — often underclaimed
This estimator applies a simplified net profit margin assumption to convert gross revenue loss to net income loss. Actual BI calculations use your specific profit and loss statements — your insurer will review 12–36 months of financials to establish the baseline. The estimate above is directional, not a claim calculation. For large losses, engage a forensic accountant to produce a documented calculation that matches insurer methodology.
The 5-section document package your insurer needs to process a BI claim without dispute.
🚫Late notice, insufficient documentation, failure to mitigate — the most common denial grounds.
📊See how your coverage ratio affects the property damage claim that triggers your BI.
🏢The 6 ways commercial storm claims differ from residential — and what each means for you.