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Business Interruption Insurance Claim



After a crisis, your business may be at risk of suffering huge financial losses. If your business has suffered from a natural disaster, you may need to shut down your operations, relocate, and completely rebuild from scratch. Or if you have been presented with an unexpected injury liability lawsuit, you may find your business in debt. Your business insurance coverage is supposed to cover scenarios like these and many others.

As a business owner, we know how important it is to keep your company operational and financially afloat. When disaster strikes, you want to get the problem fixed promptly and return to normal operations as quickly as possible. Unfortunately, insurance companies all too often deny claims or undervalue damages, making it extremely difficult to "get back on your feet" fast.

We can help you fight back. Learn more during a Free Case Review - 832.945.1900


This firm has handled insurance dispute claims from every type of business from salons, barbershops, wedding venues, medical offices, retail shops, and much more. We have experience representing clients in a variety of commercial claims, including those involving:

  • Damages to inventory, fixtures, and furnishings
  • Fire/smoke/related water damage
  • Hail damage to your building, trucks, vans or automobile fleet
  • Hurricane damage
  • Interior plumbing water leakage
  • Tornado damage
  • Wind and storm damage
  • Texas Freeze pipe damage


Whether your company suffered inventory loss from a storm, interruption due to COVID-19 or any other occurrence covered by commercial insurance policies, Houston insurance claims attorney, Cedrick D. Forrest, can help you determine the extent of your financial losses. From lost rent revenue to the cost of reinstalling new equipment to replacing inventory, make sure you get a fighting chance at obtaining 100% of the compensation you need to recover.

We know that you have an obligation to your customers, lender, employees, and family. We can help you understand the conditions and exclusions of your commercial insurance policy and protect your business' best interests.

What does business interruption insurance cover?

A Business interruption insurance policy will pay benefits to your business for lost revenue and other expenses if fire, flood, power outage, or a weather related event caused damage to your business property or causes an interruption in business. Some business interruption insurance policies will also cover losses caused by hacking, government mandated closures, and other events that can cause your business losses. 

What Does Business Interruption Insurance Cover:

  • Lost revenue
  • Employee wages
  • Rent or lease payments
  • Taxes
  • Relocation costs
  • Loan payments

Lost Business Revenue Attorney

Business interruption insurance is supposed to pay benefits for loss revenues if your business can't serve customers, sell products, or work with clients because of property damage. Business interruption insurance will all pay if there is a temporary shutdown causing your business to lose revenues. 

Example: Heavy rain causes serious water damage at a barbershop. A contractor tells the owner that renovation could take up to a year. While commercial property insurance covers the repairs, the owner can't make money while the business is under construction. Business interruption insurance helps recoup the lost revenue.

Business Interruption Insurance Rent or Lease Payment

When a devastating event forces a business to close temporarily, you might still have to pay rent or make payments on equipment that you don't own. Business interruption insurance covers the cost of rental and lease payments while your business isn't making money.

Example: A fire damages a bakery making it impossible for the business to serve customers. While the business is closed for renovations, it still needs to make rental payments on the store. Business interruption insurance covers these costs until the shop reopens.

Business Interruption Insurance Relocation Costs

If your business is forced to relocate due to a devastating event, business interruption insurance can help cover your moving costs. It can also pay for rent in the new location.

Example: An intruder breaks into a fitness business, vandalizing the gym, breaking several windows and damaging equipment . The gym is forced to relocate to a new location until the windows and locks are replaced. Business interruption insurance pays for moving costs and rent at the new location.

Employee Wages Covered By Business Interruption Insurance

To retain employees while your business is closed, you'll have to keep paying them. Business interruption insurance covers the cost of payroll while your business isn't making revenue. Most business interruption policies cover the cost of up to one year of pay for each employee.

Example: A pipe bursts in a doctor's office due to weather-related freezing, flooding the office and destroying walls, carpeting, and furnishings. The firm is forced to close for a month for renovation. Business interruption insurance helps the firm meet payroll obligations while the repairs are underway.

Business Interruption Insurance Will Cover Taxes

Even if finances are tight during a temporary shutdown, you'll still have to meet your quarterly or annual tax obligations. Business interruption insurance ensures that you have the funds to pay the taxes you owe, even if your business is no longer bringing in revenue.

Example: A fire destroys a trailer for a general contractor, forcing him to withdraw from bids and miss his revenue goals. At the end of the quarter, the business still needs to pay estimated taxes on the revenue it made before the fire. Business interruption insurance covers these costs so the contractor can use his money to get the business up and running again.

Loan Payments Covered By Business Interruption Insurance

Business interruption insurance will pay benefits if your business has loans that need to be paid to meet your loan obligations when your business isn't making revenue.

Example: A title company is forced to suspend business after a property inspection finds that its office is structurally unsound. While the business isn't bringing in revenue, it still needs to make monthly payments on a small business loan. Business interruption insurance covers payments while the business is closed

Forrest Law Will Help You When Your Claim Is Denied, Delayed, or Devalued. Forrest Law Will Also Process Your Insurance Claim. Learn More During A Free Case Review  832.945.1900

Contact us Today

Cedrick D Forrest Law is committed to answering your questions about insurance and personal injury matters in Houston.

We offer a free consultation, including video consults, where we'll gladly discuss your case with you at your convenience. Contact us today to schedule an appointment.