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Business Interruption Review

Improve your property renewal outcomes by providing the right business interruption limits and declared values with a tailored Business Interruption Review
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Given the increasing severity of losses in recent years and the more recent impact of COVID-19, Business Interruption (BI) coverage can be a critical financial tool for protecting business performance and growth, particularly from short-term sudden impacts. Insurers’ recent loss experience has also driven this coverage to be more complex and restrictive. As such, it is critical that your organisation has a strong understanding of its true exposure to BI risk, establishes an accurate values baseline and obtains the right amount of coverage. In addition to this, our Business Interruption Review will help you answer the following questions:

  • How long would it take my business to recover from an event?
  • Are there gaps in my current coverage and what adjustments (if any) should be considered?
  • Do my current internal processes and typical BI worksheet properly capture my risk exposure?
  • In the event of damage to my business or to a third party, what is the maximum foreseeable loss (MFL) exposure? 
  • What is my organisation’s Anticipated Maximum Business Interruption Loss (AMBIL), which considers variables of potential mitigation actions? 


What's involved?

The Business Interruption Review is undertaken via the following steps which can be tailored as appropriate:

  • Collection and review of data 
  • Business Interruption workshop and interviews to identify critical failure points 
  • Scenario selection and any additional data requests 
  • Declared Value, MFL and AMBIL calculations 
  • Risk exposure and insurance policy review 
  • Report recommendations and roadmap


Who should participate?

  • Financial Controllers 
  • Risk and Insurance Managers 
  • Operation Managers


How it is delivered

Where a Declared Value (DV) calculation is required, Marsh Advisory can quantify this with the provision of financial management accounts. A detailed Business Interruption Review is delivered through a workshop (in person or video conference), as well as 2-3 interviews as needed.

“Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238983) (“Marsh”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226827) which is a related entity of Marsh. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from JLT Risk Solutions on request. Full information can be found in the JLT Risk Solutions Financial Services Guide.”