Table of Contents
- What Can I File a Business Interruption Claim For?
- What is the Business Interruption Claims Process?
- What is the Civil Authority Clause?
- What Can I Do When My Business Interruption Insurance Company Has Denied My Interruption Claim?
- How Can a Miami Business Interruption Lawyer From Klotzman Law Firm Help?
- Contact Klotzman Law Firm Today For a Free Case Evaluation

Florida Business Interruption Claims Attorney
Table of Contents
- What Can I File a Business Interruption Claim For?
- What is the Business Interruption Claims Process?
- What is the Civil Authority Clause?
- What Can I Do When My Business Interruption Insurance Company Has Denied My Interruption Claim?
- How Can a Miami Business Interruption Lawyer From Klotzman Law Firm Help?
- Contact Klotzman Law Firm Today For a Free Case Evaluation

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What Can I File a Business Interruption Claim For?
In order to file a claim on your business interruption coverage, there has to be a business disruption or closure. In every case, there has to be a good reason why you are no longer able to conduct business.
Keep in mind that business disruption can also be a derivative, meaning it has occurred due to issues with a distributor or supplier. Every business interruption claim begins with “a disruption to usual business”.
The Nature of the Loss
Your insurance provider will need to know the reasons why you are no longer able to conduct your usual business operations. Your business might have closed or become unusable due to direct threats relating to the Coronavirus. It might have become necessary to carry out adjustments before you will be able to reopen.
There could also be stay-at-home orders in place that are preventing you from conducting business.
A disruption to a business may also occur when someone that the business is working with cannot fulfill orders or distribute products. The identification of the precise nature relating to the losses is a requirement for all business interruption insurance claims.
A lawyer that specializes in the field of business interruption claims will assist you with the investigation process to ensure your report states the claim clearly according to the terms relating to the business insurance policy.
Proof of Your Expenses, Damages, and Losses
Business interruption claims must include documentation that includes the overall amount of the claim. Compensation that you can request can involve every loss that your business has experienced (up to the limit of the policy). Expenses, damages, and losses can all form part of your case, yet each one is slightly different.
To provide proof of the compensation amount you are requesting, you can use any of the records mentioned below.
- Tax records
- Expense and income records
- Payroll and employee attendance records
- Sales records
- Receipts for the expenses that relate to restoring the property
- Forensic Accounting
- Bank statements
You can expect that your insurance provider is going to apply a level of scrutiny when it comes to your records. However, when you provide the documents that are needed, it becomes possible to substantiate the claim so that it is processed faster.
What is the Business Interruption Claims Process?
In most cases, there will be three primary issues to take into consideration before you make a business interruption insurance claim:
Check the Policy Wording
While the Courts may have some guidelines set out when it comes to insurance policies, each policy has different wording and each business is also different. Whether the policy is going to cover a direct physical loss or a specific loss comes down to interpretation. The lawyers at Klotzman Law Firm can assist you with this.
Notification
You have to provide your insurer with information about the claim in a very specific way and within the set timeframe, which will depend on the policy. If you fail to get this right, you may be at risk of not being able to recover the losses you have experienced or you could also risk receiving a low payout.
Loss
You will need to work out an amount that covers what you think you have incurred in losses due to an interruption. You will also need to gather evidence. In most cases, business interruption policies cover the loss of rent or gross profit, any additional expenses, and in some cases the costs involved to prepare your claim. The policy might also have a “maximum sum” that you will be able to claim.
Insurance policies are all different, while interruptions can also impact businesses in very different ways. There is no one-size-fits-all approach when it comes to making a claim for a business interruption.
What is the Civil Authority Clause?
Civil authority provisions come standard in most commercial insurance policies. When a government entity has prohibited access or forced a business to close its doors, the insurance provider should be covering the loss of income.
They will carefully examine your policy and investigate whether “prohibition of access” might be applicable in the coverage relating to your policy.
Prohibition of Access
Civil authorities can include federal, state, or local government entities. Prohibition of access has to deny access to premises that are covered in the policy. At the same time, prohibition of access has to be mandatory (not optional), for the coverage to be considered.
Civil Authority Provisions
The civil authority provision and the way that it is worded in the insurance policy are vital. For instance, in standard language, it may state that an insurer is going to pay for any business income loss that a business sustains and additional expenses.
This has to result from a civil authority action that prohibits access as well as direct damages caused to the property. It is important to know that the language is still referring to property damage. Even when the policy contains civil authority provisions, it doesn’t always mean that your claim will be covered.
What Can I Do When My Business Interruption Insurance Company Has Denied My Interruption Claim?
The easiest answer to this question is to approach an experienced attorney so that they can review your BI Policy (business interruption insurance policy). These lawyers have experience and the knowledge to interpret business insurance policies and they could find the reasons why you have been denied coverage and reasons why the decision is wrong.
Filing business interruption claims with a policyholder can seem like a daunting task. However, a lawyer who specializes in business interruption claims can help you through this process. They will do all the work that is required when it comes to dealing with your insurance provider to help you secure the compensation that your business is entitled to.
It is important to not waste any time, and to immediately follow these steps when you have decided to file a claim for a business interruption:
- Contact your insurance provider and your agent immediately
- Review and read your policy to make certain that you are covered for business interruption. If you are unsure about the wording in your policy, contact Klotzman Law Firm for a complimentary case evaluation.
- Collect business records along with any other important evidence to provide proof of the revenue of your business before the interruption.
- Get help from an experienced Business Interruption Claim Attorney.
How Can a Miami Business Interruption Lawyer From Klotzman Law Firm Help?
Regardless of the cause, a business interruption insurance policy has the potential to make or break a business. For example, many restaurants usually have considerable debt, and they need cash in order to remain afloat. If the insurance provider does not honor their policy, the owners of restaurants and all the people who rely on these businesses for employment may be facing seriously bleak futures.
When you are facing a situation where your business has been forced to close or you cannot conduct business as usual, you can benefit from the services of a skilled and experienced Business Interruption Policy lawyer to assist you in filing your claim with your insurance provider or building a case as to why deserve compensation.
Contact Klotzman Law Firm Today For a Free Case Evaluation
Filing insurance claims is often a complex process, especially when you are dealing with the stress and anxiety of having a business that is temporarily inoperable. While in most cases, coverage must be granted for losses that are covered, insurance companies often attempt to deny, underpay, or delay valid claims.
At Klotzman, our insurance lawyers have extensive experience when it comes to the bad-faith tactics that insurers use to get out of paying claims.
Contact our law firm today at 954-915-7405 to find out how our lawyers in Miami can assist you with recovering payments that you are entitled to according to the terms of the insurance policy.

Written By Scott Klotzman
Scott is passionate about holding insurance companies accountable. As the Founder of Klotzman Law Firm, he fulfills his dream of helping people and making a difference. After earning his undergraduate degree, Scott worked at a top NYC law firm before attending Quinnipiac University School of Law, where he earned his degree and met his wife, Nancy.