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You may have taken out of business interruption insurance in order to protect your company, assets and employees. This type of insurance is the perfect way to prepare for the future and any troubles that might head your way. However, no one could have predicted the impact of Covid-19 and the lockdown. Businesses around the UK have had to close in order to protect their customers and employees against the virus. Unfortunately, this has had devastating consequences on the UK’s economy and on small businesses in general. Although the lockdown is slowly starting to ease, it is very likely that a large majority of the closed businesses will not re-open due to their finances. They may have tried to take out an insurance claim but were rejected. That’s where Gowing Law’s solicitors can step in to help.

Even if you have been rejected in the past, a new decision from the supreme court could mean that you could now have a successful claim on your hands. That’s why we would highly recommend that you contact our law firm to get started on your claim. Call us today on 0800 041 8350 or by visiting our claims page below:

Business Interruption Insurance Claim

What is a Business Interruption Insurance claim?

Business interruption insurance is taken out by large and small companies to protect their assets from any future problems. This can include criminal activity and damages to your property from natural disasters. For instance, your shop could be damaged due to fire or flooding. Therefore, you may need to take out your insurance pay-out to fix the damages from these natural events. If a “disaster” is outside of your control, and it affects your business, you could use your compensation to fix what has been broken.

For many business owners, they have tried to take out their business interruption insurance in order to try and sustain their livelihood during the lockdown. Unfortunately, they were rejected on the basis that Covid-19 did not fall under a “disaster” that required an insurance pay-out. Naturally, this has left many people around the UK struggling to keep afloat during this difficult time. That’s why the Supreme Court has recently made a decision that businesses can now claim for compensation if they have taken out business interruption insurance. They just need to have one of the three clauses in their contract:

Different clauses for Business Interruption Insurance Claims

If your contract has any of these clauses, you could claim compensation from your insurer. This is where Gowing Law’s expert solicitors can step in to help you. We are ready to make sure that you get the pay-out that you deserve to sustain your business and your employees’ livelihoods.

Reasons pay-out business interruption insurance

What can I use my pay-out for if I make a business interruption insurance claim?

Should you decide to make a business interruption insurance claim, you will be able to use the pay-out to sustain your business. Even if you have already received a grant from the government (in the form of business aid), you will still be able to claim a pay-out. Take a look at the infographic below to get a better idea of what you could use your business interruption insurance claim for:

Business Interruption Insurance Claims

Of course, there may be other things you need to spend your money on in order to sustain your business. For instance, when you closed during the lockdown, your shop may have been vandalized. So, now that it is re-opening during the ease of lockdown, you may have to spend time getting the exterior of your shop fixed. You can use your pay-out to fix any damages that could cause a work accident or harm to your employees. Speak to your solicitor for more details about how you could use your compensation to sustain your livelihood.

Will I be able to make a claim if I have already been rejected?

Yes you will! Even if you have already been rejected for a pay-out, it is likely you will now be successful in your claim. Not only will the government be aware of your situation, now that the Supreme Court have decided to change your insurance policy, it is likely that you will get a pay-out. It can be difficult to feel like you can go back to your insurer for help. But this is where an experienced lawyer can help you. Your solicitor can handle all of the paperwork and can speak to your insurer on your behalf. That way you can feel more in control of your future. You can also feel as if your compensation claim will be in safe hands.

Compensation from your pay-out

How long will it take to make a business interruption insurance claim?

It should take one business day in order to assess whether or not you could have a successful claim. From there, the timeline of your claim will depend on its complexity. The more complex your claim is, the longer it will take. Speak to your solicitor to start scheduling how your claim is going to be handled. That way you can feel comfortable and confident that you will get your claim as quickly as possible. Be patient with your solicitor and make sure to keep in contact. That way you can always know what stage your claim is at.

Start your business interruption insurance claim today!

Business Interruption Insurance Claim

Here at Gowing Law Solicitors, we are proud about the fact that our law firm can help people all over the UK with their claims. We want to make sure to do our part to help clients in need. If you have a claim that you need legal advice over, get in touch with our law firm. We can offer free consultations to get you started. If you are happy to move forward with your claim, we can provide our services on a “no win-no fee” basis. That means you will always come out on top and will never need to pay any hidden fees. You will only need to pay your solicitor if we win your case.

Contact us today to get started with your claim. Call us on 0800 041 8350, email us on or use our claim’s checker!

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Gowing Law are a professional law firm that specialises in the personal injury sector of the industry. Gowing Law are Authorised and regulated by the Solicitors Regulation Authority (SRA).

Gowing Law are trusted by the people who they have helped in sucuring the compensation they deserve, with fantastic reviews across all review sites including Trustpilot & Google Reviews.

Gowing Law is law firm based in Manchester but offer their legal services nationwide. We specialise in the personal injury claims and our team of solicitors have the experience and expertise needed to handle your case and help you through the claims process.

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