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Your Trusted Business Interruption Claim Advocates in Miami

Our firm distinguishes itself with open communication and a commitment to aggressive representation. We prioritize your best interests and are unafraid to take your case to trial. Furthermore, our bilingual capability sets us apart, ensuring seamless communication in both English and Spanish. Contact us for a complimentary consultation and experience legal representation that combines expertise, effective communication, and resolute dedication to securing the best outcome for your claim.

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What Is Business Interruption Coverage?

Business interruption coverage is a crucial component of many commercial insurance policies. Its primary purpose is to protect businesses from financial losses that occur when their operations are disrupted due to unforeseen events such as natural disasters, fires, or other covered incidents. In essence, this coverage helps businesses weather the storm during challenging times, ensuring their financial stability and ability to recover.

Types of Business Interruption Coverage

Business interruption coverage can take several forms, depending on the specific needs and risks faced by a business. Here are some common types:

  • Business Income Coverage: This is the most basic form, reimbursing a business for lost income when operations are suspended due to a covered event.
  • Extra Expense Coverage: This coverage helps cover additional costs incurred to continue business operations at a temporary location during repairs.
  • Contingent Business Interruption: Protects against losses resulting from interruptions in the operations of suppliers or customers, which can have a significant impact on a business.
  • Civil Authority Coverage: Covers losses when access to a business location is restricted by government order, such as during a mandatory evacuation.
  • Service Interruption Coverage: Provides compensation for losses caused by interruptions in essential services like electricity, water, or communication lines.
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How Business Interruption Claims Are Calculated

Calculating business interruption claims can be complex, involving various factors like historical financial data, the nature of the business, and the extent of the interruption. Typically, the process includes:

  • Determine the Period of Interruption: Assess the length of time during which the business was unable to operate normally.
  • Gather Financial Records: Collect financial statements, tax returns, and other relevant documents to establish the baseline income of the business.
  • Calculate Gross Earnings Loss: Calculate the gross earnings loss during the interruption period, factoring in operating expenses that continue during the closure.
  • Adjustment for Savings: Deduct any expenses that the business saved during the closure, such as utility bills or employee wages.
  • Account for Extra Expenses: If applicable, include any extra expenses incurred, such as rent for a temporary location or increased advertising costs.

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Covered Losses in Business Interruption Claims

Business interruption coverage typically includes compensation for various types of losses, such as:

  • Lost Revenue: Reimbursement for income lost during the closure.
  • Fixed Costs: Coverage for ongoing expenses like rent, utilities, and employee salaries.
  • Temporary Location Expenses: Compensation for renting and equipping a temporary location.
  • Extraordinary Expenses: Reimbursement for expenses necessary to expedite the return to normal operations.
  • Contingent Business Interruption: Coverage for losses resulting from interruptions in the operations of suppliers or customers.

How an Attorney Can Help

Navigating the complexities of business interruption claims can be daunting, especially when your business's financial stability is at stake. An experienced attorney can be an invaluable asset in this process. Here's how they can assist:

Expert Guidance

Attorneys specializing in business interruption claims have a deep understanding of insurance policies and can guide you through the claims process.

Thorough Evaluation

They will thoroughly evaluate your policy to determine the extent of coverage and potential areas of dispute.

Evidence Gathering

Attorneys can help gather the necessary evidence and documentation to support your claim.


They will negotiate with insurance companies on your behalf to ensure you receive fair compensation.


If necessary, attorneys can represent you in court to resolve disputes or if your claim is wrongfully denied.

At Jaramillo, Correa & Martinez Trial Lawyers, we have a proven track record of assisting businesses in Miami with their business interruption claims. Our commitment to our clients' best interests and our willingness to take cases to trial set us apart. We understand that every day of interruption matters, and we are here to aggressively pursue the compensation you deserve. Contact us today for a free consultation. Let us help you protect your business's financial stability and get back on track. Your success is our priority.

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