Business Interruption Claim Calculator for Public Adjusters
BIClaimPro helps a public adjuster put a business interruption claim together from the insured's own sales and P&L, with the working shown. Every figure it produces is an estimate.
Who this page is for
This page is for public adjusters who prepare business interruption claims for policyholders and need a clear, repeatable calculation to put in front of the insurer.
The problems on a business interruption claim
- The insured's records arrive in different shapes: a spreadsheet of sales, a PDF of the P&L, a few months typed into an email.
- The insurer's accountant will ask how normal sales were projected, which days the waiting period took out and why a cost was treated as insured.
- Policy terms change the result: the waiting period, the indemnity period, coinsurance and the policy limit each have to be applied in the right order.
- The insured wants to know the range, not one number, before the meeting.
What BIClaimPro does for you
- Imports the sales history and the P&L from a paste, a CSV or an Excel file, and shows every row for your review before anything is placed in the claim.
- Takes the profit rate from the insured's P&L only, with each fixed cost marked Insured or Not insured, so the basis of the rate is visible.
- Shows the claim as a Base Case, a Conservative case and an Insurer View, so you can see how the estimate moves under different assumptions.
- Applies the waiting period, coinsurance, a flat deductible and the policy limit in a fixed order and shows each step.
- Works out the recovery after reopening from the sales you enter for each period.
- Produces a PDF report and an Excel workbook with the same figures, and saves each claim to your account so you can revise it later.
How pricing works
BIClaimPro: 2 free claims, then $259 per claim, or Solo at $899 a month for 5 claims, or Firm at $1,699 a month for 10 claims and up to 3 users. Enterprise: contact us.
Free trial: 2 free claims, valid for 30 days. No card needed.
Solo includes 5 new claims a month and Firm includes 10. Plan claims reset when your next payment goes through and do not carry over. Recalculating a claim is always free; changing its business name or date of loss is free up to 2 times. Pay-per-claim credits are used after your plan's claims and are valid for 12 months from purchase.
Next steps
The reports are estimates built from the data you enter. They assist a qualified professional and do not replace one.