Business interruption financial documentation

We write the financial record of an interruption: the pre-event baseline of revenue and margin, the income lost during the event, the costs that continued while revenue stopped and the extra expense of keeping the business running. The schedules come from your ledger and sales data, in the form a claims specialist expects.

We hand your brokers and loss adjusters the schedules and the document index behind every figure.

• A baseline revenue and margin schedule by site, product and channel, with the method stated.
• A loss-of-income schedule covering the interruption period and the recovery period that follows.
• A continuing-costs schedule showing which fixed costs the group kept paying.
• An extra-expense ledger with cost codes, invoices and approvals for every mitigation cost.
• A document index that links each figure to its source record.

• Your board sees the days from the event to a baseline agreed with the adviser.
• Extra expense is tagged and supported at the point of payment, and you read the share that is.
• The schedules reconcile to your ledger, and the difference is stated.
• Adviser queries are answered from the index, and you see how many needed new work.
• The pre-event baseline is reviewed each year, so the board knows how ready it is.

A claim is only as strong as its numbers. Records are scattered across entities, nobody has agreed a baseline, extra costs are paid from petty cash and not tagged, and the group assembles its case months later from memory under pressure from a claims team.

• An interruption has happened and nobody has been asked to track its costs separately.
• Your policy covers loss of income but the group cannot show what its income would have been.
• Revenue is recorded across several systems that have never been reconciled.
• The finance team does not know what an insurer's adviser will ask for.
• Extra expense after an event is being paid with no cost code.

Chief executives and finance heads whose operations have been stopped, slowed or relocated by fire, flood, supplier failure, cyber incident or loss of access to a site, and boards that want the evidence ready before an event, not after.

Qasim Abbas has spent more than 16 years inside Gulf family-based and venture-backed groups, where one set of numbers must stand up when others test it. Your interruption schedules are built to hold when insurers and their advisers examine them, because every figure ties to a source record.

We build the schedules on the ledger the group runs, including Xero, QuickBooks, Zoho Books, NetSuite and Oracle. See how fees work.

How do you support the claim?

We prepare the financial schedules your broker and adviser rely on to file and argue the claim, and we answer their queries.

Can we build the baseline before anything goes wrong?

Yes, and we recommend it. A baseline agreed in a calm year is far easier to defend than one reconstructed afterwards.

What if our records are poor?

We help the finance team tighten its records from the day we start, and the schedules carry every figure the records support.

Bring your loss-of-income cover and your revenue records to a private briefing, ideally before an event. We return what those records support today and what your finance team should capture from now.