A commercial loss is more than a damaged building. It is the structure plus the income your business stops earning while operations are down, and both belong in your claim.
Insurers tend to focus on the structure. But a commercial property loss also halts revenue, payroll, and the daily work of running your business. We document the physical damage and the business-interruption loss together, so the full picture of what the event cost you is on the table. We build that case with rigor.
A complex business loss is a serious matter, and we treat it that way. Felice Morina, known as the Negotiator, has worked claims for the insured since 2011. We measure structural damage, build the income-loss case, and negotiate the claim with rigor. For the insured, never the insurer.
Your job is to get the business back on its feet. Ours is to carry the complexity of the claim so you do not have to manage it from the inside. We document, value, and negotiate while you stay focused on operations and your people. Our model is simple: no recovery, no fee.
A commercial policy is far more than “the building.” Accepting a carrier’s offer before every applicable coverage and endorsement has been reviewed is one of the fastest ways to leave money on the table. These are the coverages we look for in your policy:
The physical loss itself: buildings, fixtures, machinery, furnishings, raw materials, and inventory.
Replaces the profit and continuing operating expenses — including payroll — you lose while operations are suspended by a covered event, restoring the position you would have been in had the loss never happened.
Covers the added costs of keeping the business running or relocating to a temporary site while your property is restored — the expenses of getting back to normal operations.
Covers lost profit and expenses when the damage is to a third party you depend on — a supplier, a manufacturer, a key customer, or an anchor location that drives your foot traffic.
Keeps salaries and hourly wages on the books as a continuing expense for a defined period while the business is closed.
Replaces rental income when a covered event makes a rental property uninhabitable and tenants are no longer obligated to pay.
Continues business-interruption and extra-expense benefits beyond the standard restoration period, while you rebuild revenue back toward pre-loss levels.
Pays lost business income when a civil authority blocks access to your property because of damage nearby — most often during a mandatory evacuation.
Extends coverage to losses caused by an interruption of water, power, or communications from a specified utility provider.
Provides benefits when a covered peril prevents access to or from your property, even if the property itself is left intact.