Business Interruption Expert Witness Services
Eight anchored practice areas aligned with UK BI policy forms, litigation procedure, and cross-border (US form) comparisons where relevant.
Our specialists support attorneys and insurers from pre-action quantum critiques through trial-ready expert reports, joint statements, and tribunal testimony. Select a service below for methodology detail and FAQs.
Loss of Gross Profit Quantification
Baseline analysis establishes the insured’s standard turnover and policy-defined gross profit using reconciled management and statutory accounts. Experts identify uninsured working expenses, insured standing charges, and any accounting policy changes that distort comparability before any shortfall is measured.
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Service 2Rate of Gross Profit, Trends & Adjustments
The rate of gross profit (ROGP) is derived from the relationship between defined gross profit and turnover in the reference period. Experts stress-test the ratio for seasonality, growth trends, one-off transactions, and post-loss accounting policy changes that would misstate the comparator.
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Service 3Increased Cost of Working & Extra Expense
Increase in cost of working (ICW) clauses reimburse additional expenditure reasonably incurred to avoid or reduce the reduction in gross profit, subject to economic limit tests and monetary caps. Experts distinguish recoverable mitigation from uneconomic spend that fails the policy arithmetic.
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Service 4Indemnity Period & Maximum Recovery
The indemnity period measures how long results remain affected by the insured interruption, subject to the maximum indemnity period (MIP). Disputes often separate physical reinstatement from the longer horizon required to restore turnover and margin.
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Service 5Contingent Business Interruption (CBI)
Contingent business interruption (CBI) covers income loss when an insured peril at a specified or demonstrable third-party location disrupts the policyholder’s trading, even if the policyholder’s own premises are undamaged.
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Service 6Cyber Business Interruption
Cyber business interruption is income loss driven by digital incidents - ransomware, denial of service, cloud or telecoms failure - where cover may sit in a cyber policy, a property BI extension, or a hybrid placement rather than a classic physical-damage trigger alone.
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Service 7CPR Part 35 Expert Reports & Joint Statements
Experts instructed in England and Wales litigation owe paramount duties to the court under CPR Part 35 and Practice Direction 35. Reports must identify instructions, materials reviewed, key assumptions, and limitations - with fair exposition where reasonable experts disagree.
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Service 8Litigation & Insurance Disputes
Litigation and arbitration support in BI matters means independent reconstruction of models, disciplined document review, and opinions that separate coverage questions reserved for the court from financial quantum within the expert’s competence.
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Instruction process
For vetting, conflicts, and retention mechanics, see our step-by-step hire guide and qualifications overview.
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.