Contingent Business Interruption (CBI) Expert Witness
CBI coverage responds when an insured event at a supplier or customer location disrupts the policyholder’s revenue, even where the policyholder’s own premises are undamaged. Disputes often focus on whether the third-party event satisfies the policy definition, whether the dependency is within scope, and whether intervening causes break the chain of causation.
Experts distinguish named CBI schedules from unnamed extensions, each of which imposes different evidentiary burdens. Named CBI may streamline identification of covered dependencies, while unnamed CBI requires robust mapping and contemporaneous commercial evidence.
Global supply chain examples - from semiconductor shortages to port congestion - illustrate why tribunals demand careful separation of concurrent causes and transparent counterfactual modelling.
Frequently Asked Questions
What is the difference between named and unnamed CBI coverage?
Named CBI specifies particular suppliers or customers; unnamed CBI covers any supplier or customer. Unnamed coverage is broader but claims require more detailed causal analysis.
How does a CBI expert establish causation?
By documenting the insured event at the supplier's or customer's premises, tracing the causal chain to the policyholder's loss, and ruling out intervening or unrelated causes.
Glossary Terms
Short definitions for terminology used on this page - see the full business interruption glossary.
Need an expert for this scenario?
Submit a confidential enquiry - we respond within one UK business day with conflict-checked options.
Request a business interruption expert witness →Ready to find your business interruption expert witness?
Tell us about your dispute. We will match you with a credentialed UK specialist for loss quantification, policy interpretation, and CPR Part 35 compliant reporting.