Prevention of Access & Denial of Access BI Expert Witness
Prevention of access and denial-of-use extensions respond when an insured peril hinders entry to or use of premises within defined radii and time limits. Post–FCA test case litigation has sharpened focus on how national and local restrictions interact with hybrid wordings combining disease and access elements.
Experts correlate operational data - footfall, shift patterns, delivery logs - with policy triggers to isolate incremental loss attributable to access prevention rather than voluntary commercial slowdown.
Quantum models must remain candid about concurrent macroeconomic effects while preserving CPR Part 35 transparency on assumptions.
Frequently Asked Questions
How is prevention of access different from property damage BI?
Property damage BI typically starts from physical loss at the insured location. Prevention of access clauses can respond when access or use is hindered by an insured peril within the policy’s geographical and temporal conditions - sometimes without damage to the insured building itself.
What records help prove loss during an access cordon?
Contemporaneous site logs, security access data, delivery refusals, customer cancellations, and comparative revenue from unaffected locations help experts build a credible but-for trading path.
Glossary Terms
Short definitions for terminology used on this page - see the full business interruption glossary.
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