Protecting Your Business When Operations Stop
When a disaster forces your business to close its doors, the financial loss can be just as damaging as the physical repairs. Payroll, rent, utilities, and lost revenue can pile up quickly. That’s where business interruption coverage comes in — and where Gavnat Public Insurance Adjusters make the difference.
We help business owners and commercial property managers navigate complex business interruption claims, calculate financial losses, and secure fair compensation so you can get back on track.
What is a Business Interruption Claim?
Business interruption coverage is designed to compensate you for lost income and extra expenses when your business operations are disrupted by a covered event — like fire, water, wind, hail, or storm damage
Covered losses may include:
- Lost revenue during downtime
- Ongoing expenses (rent, payroll, insurance, utilities)
- Temporary relocation costs
- Extra expenses to maintain operations
- Lost business opportunities or contracts
How Gavnat Supports Storm Damage Claims
Financial Loss Analysis:
We review your financial data, contracts, and projections, partnering with experts, to calculate what your business truly lost.
Policy Review & Guidance:
We interpret complex policy language and exclusions so you understand your rights.
Claim Preparation & Documentation:
We prepare comprehensive claim packages that strengthen your case.
Negotiation With Insurers:
We challenge lowball offers and push for settlements that reflect the full scope of your loss.
Common Challenges With Business Interruption Claims
Business interruption claims are often some of the most misunderstood and underpaid losses—requiring detailed financial analysis, policy interpretation, and careful documentation of lost income, extra expenses, and operational impact. Common challenges include:
- Complex Calculations – Insurers often underestimate or dispute lost income figures.
- Documentation Burden – Carriers require detailed financial records that most businesses aren’t prepared to produce quickly.
- Coverage Disputes – Policies vary widely, and insurers may deny claims based on exclusions or technicalities.
- Delays & Underpayment – Even valid claims can drag on for months, putting cash flow at risk.
Don’t Let the Insurance Company Decide What’s Best for You
When facing a business interruption, you deserve a compensation. Gavnat uses our expertise to best ensure your the impact of losses is properly restored, not just to the insurance company’s minimum standard.
Why Businesses Trust Gavnat
Having an expert on your side can mean the difference between a limited payout and a fair financial recovery. Policyholders choose Gavnat because of our:
- Proven Results – Millions recovered for commercial property and business interruption claims.
- Decades of Experience – Deep knowledge of policies, coverage triggers, and claim calculations.
- Trusted Advocacy – We represent policyholders only — never insurance companies.
Proven Results for Our Clients
See More Results
$1.2 Million Bump – Recent Results – Janesville, MN
A business owner in Janesville, Minnesota suffered extensive fire loss and was initially offered $123,675 for damages by the insurance carrier, which included loss of revenue during repairs. The owner brought the Gavnat team in to take control of the situation. We helped the business owner reach a settlement of $1,310,062.
Over $10MM More – Recent Results – Wisconsin
Services for Business Interruption Policyholders
Insurance Adjusting
End-to-end management of your wind damage claim, from filing through final settlement.
Insurance AdjustmentsInsurance Appraisals & Mediation
When disputes arise, we represent you in appraisal or mediation to achieve a fair resolution
AppraisalExpert Testimony
If your wind damage claim escalates to litigation, Gavnat provides expert witness support for legal teams.
Frequently Asked Questions
View All FAQsAbsolutely. We document both the physical loss and the financial impact, ensuring your claim covers the full picture.
Denial isn’t the end. Gavnat can re-analyze your case, reopen negotiations, and often recover compensation even after denial.
Yes. Business interruption coverage often pays for payroll to help you retain key staff during downtime.
Insurers typically use past financial records and projections. We go deeper — analyzing contracts, market conditions, and missed opportunities to ensure the calculation reflects your true loss.
A dairy manufacturing plant in western Wisconsin suffered substantial loss due to a large fire and the ensuing disruption to production and lost business. They attempted to handle the claim themselves but found it too challenging to navigate. The insurance company offered a $16,376,112 settlement. Gavnat stepped in to help, provided an appraisal and negotiated a more equitable resolution in excess of $25MM – over $10 million more!