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Business Interruption Coverage
PUBLIC ADJUSTING PROGRAMS
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When disaster hits, your business doesn’t just slow down—it can grind to a halt. At Loti, we specialize in transforming the complex world of Business Interruption (BI) coverage into a clear, accurate, and results-driven process. Whether you're facing a temporary closure, lost bookings, or ongoing disruption, we help you recover the income your business would have earned—backed by data, documentation, and expert strategy.
Proving lost income is more than submitting a revenue chart. It takes historical analysis, precise modeling, and a claim that aligns with both your policy language and your industry norms. That’s why we partner closely with business owners to understand operations, revenue patterns, and growth projections before building a comprehensive claim.
OUR APPROACH
Business Interruption Claims—Proven, Precise, and Built to Recover What You’ve Lost
Then we get to work:
Our in-house platform helps track documentation, organize timelines, and ensure every number is tied to evidence—so there’s no guesswork, and no gaps.
With deep expertise in financial modeling and insurance negotiation, we build bulletproof Business Interruption claims that insurers take seriously. The result? Faster payments, fewer disputes, and a clearer path to recovery—so you can return your focus to what matters most: running your business.
Then we get to work:
Our in-house platform helps track documentation, organize timelines, and ensure every number is tied to evidence—so there’s no guesswork, and no gaps.
With deep expertise in financial modeling and insurance negotiation, we build bulletproof Business Interruption claims that insurers take seriously. The result? Faster payments, fewer disputes, and a clearer path to recovery—so you can return your focus to what matters most: running your business.
Analyze historical financials, seasonal trends, and contract pipelines to establish a revenue baseline
Identify direct losses, canceled bookings, deferred sales, and unfulfilled orders
Coordinate with internal finance teams or forensic accountants to model accurate projected income
Prepare professional-grade reports tailored to your policy’s BI terms and coverage triggers
Handle insurer communications—clarifying calculations, responding to follow-up questions, and minimizing delays
Equipment Lists
Loss Of Inventory
Business Documents
Business documents are critical to daily operations, legal compliance, and financial stability, and losing them can disrupt a business’s continuity. This guide explains how to inventory and properly store essential records so they can be recovered quickly in the event of loss, theft, or damage.
For businesses, inventory loss caused by uninhabitable conditions can create significant financial strain. This article explains how Business Interruption coverage for Loss of Inventory works, how to document and claim these losses, and ways to manage inventory replacement during a temporary shutdown.
Professional business equipment includes specialized tools and machinery essential to your work and can represent a significant investment. Proper documentation helps ensure these assets are covered by insurance and can be efficiently replaced if lost, stolen, or damaged.
BUSINESS INTERRUPTION ADVICE
Below is a handful of articles that help business owners navigate insurance during times of loss.
Just click and go.
LEARNING IS EASY
Helping business owners protect income when operations are disrupted.
