Overview
Purpose
- Explain the loss event, operational changes, and period of restoration.
- Summarize lost revenue, saved expenses, and extra expenses separately.
- Note mitigation actions and reopening milestones.
Quality checklist
Ready-to-send
- Tie calculations to policy definitions and the measured period.
- Document data sources, assumptions, and any normalizing adjustments.
- Have finance or CPA review for consistency and traceability.
- Show efforts to continue operations or reduce downtime.
What to include
Use these pieces to keep the business interruption packet complete.
Core documents
Build the file
- Business interruption calculation worksheet.
- Monthly revenue and expense statements pre- and post-loss.
- Extra expense ledger with invoices and proof of payment.
Supporting proof
Evidence to attach
- Payroll reports, POS exports, or booking data demonstrating trends.
- Leases or contracts that show operational obligations.
- Correspondence documenting closures, orders, or restrictions.
Delivery notes
Keep it moving
- Provide a summary memo with a numbered exhibit index.
- Highlight calculation methods and key drivers in the cover letter.
- Redact PII and sensitive banking details before sharing externally.