Business Interruption Loss Quantification
need a defensible, court-ready analysis that accurately captures every dollar of your loss.
Discuss Your Claim See Our ServicesWhen Does a Business Interruption Claim Arise?
Any unexpected event that forces a full or partial cessation of normal business operations can trigger a business interruption loss. Common scenarios include:
Fire & Smoke Damage
Structural damage or smoke contamination that shuts down or significantly impairs operations at a business premises.
Flood & Water Damage
Flooding events, whether natural or infrastructure-related — that cause property damage and force closure.
Cyber Attack
Ransomware, data breaches, or system outages that bring business operations to a halt and result in measurable revenue loss.
Power & Utility Outages
Extended outages affecting production capacity, refrigeration, or access to facilities.
Property Damage
Third-party damage to a business’s property, including construction impacts, vehicle incidents, or vandalism.
Government-Ordered Closures
Mandated shutdowns or operational restrictions, including pandemic-related orders, that restrict normal business activity.
Supply Chain Disruption
Contingent business interruption caused by an insured event at a key supplier or customer.
Litigation & Disputes
Losses stemming from wrongful acts, contract breaches, or injunctions that disrupt ongoing business operations.
How We Quantify Your Loss?
Our process is systematic, transparent, and designed to withstand scrutiny at every stage — from initial claim to arbitration or trial.
1. Document Review
Review of financial records including daily, weekly, and monthly revenues, income statements, tax returns, and management accounts for the period before, during, and after the interruption.
2. Period of Impact
Determine the commencement, duration, and end of the indemnity period — the window during which the interruption caused measurable financial losses.
3. Industry & Market Research
Conduct industry research to isolate and adjust for external economic factors — ensuring the loss calculation reflects the event’s true impact, not broader market conditions.
4. Projected Performance
Reconstruct the but-for financial performance of the business — what revenue and profit would have been achieved absent the interrupting event — using trending, benchmarking, and comparables.
5. Loss Calculation
Quantify the net business interruption loss: comparing projected versus actual performance, accounting for saved expenses, mitigation efforts, and policy-specific coverage terms.
6. Reporting & Expert Testimony
Deliver a clear, defensible written report — and if required, provide expert witness testimony in mediation, arbitration, or trial proceedings.
Related Services
Income Replacement Benefit (IRB) Calculations
Accurate, SABS-compliant projections of entitlement
Loss of Income Reports & SHORT Reports
Detailed, defensible analysis of past and future income losses or streamlined, cost-effective assessments for early-stage cases
Family Law Services
Independent family law valuations and forensic financial analysis across Ontario, supporting income disputes, support claims, and equalization matters
Economic Loss Analysis
Quantification of financial damages in tort and personal injury claims
Present Value Calculations & Future cost of care
Determining the current value of future losses or benefits
Vocational Assessments
Expert evaluations of employability, transferable skills and labour market capacity
Report Critiques
Independent reviews of opposing expert reports to identify errors, omissions, or biased assumptions
Expert Witness Testimony & Consulting
Objective, defensible presentation of financial and vocational evidence in mediation, arbitration, or trial
Ready to Quantify Your Business Interruption Loss?
Our forensic accountants are ready to discuss your matter. Whether you are in the early stages of a claim or preparing for arbitration, we can help you build a defensible, evidence-based analysis.
Civil Litigation Services
Accident Benefit Services & Income Replacement Benefits
Accident Benefit Services & Section B Weekly Accident Indemnity Benefits
Economic Loss & Loss of Income
Present Value Calculations & Future Cost of Care Reports
Critique Of Other Party IRB Reports
Vocational Services
Family Law Services
Expert Testimony
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