Securing Your Business with Us
As a business owner, the complexity of insurance claims can be daunting. This is where Home Claims Assist excels. We provide dedicated support to businesses confronting a range of challenges, from business interruption to fire, flood, or theft. Our experienced team specialises in managing claims for businesses of all sizes, from small enterprises to large corporations. Recognising the significance of minimising disruptions and maximising recovery, we guide you through the claims process with expertise and personalised assistance. While we handle your insurance claims professionally and efficiently, you can concentrate on managing and growing your business. Trust Home Claims Assist to safeguard your business interests and secure the compensation you deserve.
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What Types of Commercial Property Claims Can You Make?
Commercial insurance claims involve additional complexities that residential claims do not — stock losses, business interruption calculations, lease obligations, and the pressure of keeping your operation running. Our loss assessors have the expertise to manage all of this on your behalf.
Need Help With a Business Claim?
We handle commercial insurance claims for businesses of all sizes, from sole traders to multi-site operations across the UK.
Get free adviceWhat Is a Business Interruption Claim?
Business interruption cover is often the most valuable — and most complex — element of a commercial insurance claim. It compensates for the income your business loses while it cannot operate normally following an insured event. Getting this right requires detailed financial documentation and an understanding of how insurers calculate losses.
Insurers typically assess business interruption based on your indemnity period, pre-loss revenue, and the costs incurred to maintain operations during reinstatement. We work alongside your accountant to ensure the figures presented are accurate, comprehensive, and properly substantiated.
One of the most common issues we encounter is underinsurance. Many businesses find that their sum insured does not reflect the true cost of reinstatement at current prices. This can lead to the average clause being applied, where the insurer reduces the payout proportionally. We identify this early and work within your policy terms to ensure the best possible outcome. If your business has been affected by fire damage or flood damage, the business interruption element of the claim is often where the largest financial impact lies.
Loss of Gross Profit
Revenue lost while your business cannot operate at full capacity, calculated against your pre-incident turnover.
Increased Cost of Working
Additional expenses incurred to keep your business running — temporary premises, equipment hire, overtime, and outsourcing costs.
Loss of Rent
For landlords or businesses subletting space, the rental income lost during the reinstatement period.
Ongoing Fixed Costs
Salaries, lease payments, insurance premiums, and other fixed overheads that continue regardless of whether you are trading.
Customer and Contract Retention
Costs associated with maintaining key customer relationships and fulfilling contractual obligations during disruption.
Professional Fees
Accountant and surveyor costs required to prepare and substantiate your business interruption claim.
Which Business Sectors Can Claim for Property Damage?
Every business has different assets, different risks, and different pressures when it comes to insurance claims. Our experience covers a wide range of commercial environments.
Retail & Hospitality
Stock losses, refrigerated goods, kitchen equipment, customer-facing areas, signage, and lost trading days during peak periods.
Offices & Professional Services
IT equipment, server infrastructure, furniture, sensitive documents, data recovery, and relocation to temporary premises.
Warehouses & Industrial Units
Stored inventory, racking systems, plant and machinery, loading bays, roller shutters, and production line equipment.
Trades & Workshops
Specialist tools and equipment, raw materials, customer property held on site, and income lost from cancelled jobs.
Regardless of your sector, the claims process follows the same core stages: damage assessment, documentation, insurer negotiation, and settlement. Understanding how loss adjusters and loss assessors work helps you make an informed decision about professional representation.
If you also manage rental properties, our landlord claims service covers tenant liaison, loss of rental income, and property reinstatement for your portfolio alongside any commercial claim.
Business affected by property damage?
Let our commercial claims specialists take the burden off your shoulders. We'll manage your insurance claim while you focus on what matters — running your business.
Frequently Asked Questions
A loss assessor manages your entire commercial insurance claim, from damage assessment and documentation through to negotiation and settlement. We understand the urgency of minimising business downtime and work to ensure your claim covers property damage, stock losses, and business interruption costs.
A business interruption claim covers the loss of income your business suffers while it's unable to operate normally due to an insured event such as fire, flood, or storm damage. This can include lost revenue, ongoing fixed costs, and additional expenses incurred to keep your business running during the recovery period.
Yes. Our experienced team specialises in managing claims for businesses of all sizes, from sole traders and small enterprises to large corporations. We tailor our approach to the specific needs and complexities of each business.
We take on the burden of managing the entire claim so you can concentrate on running your business. This includes all insurer communications, paperwork, site inspections, and settlement negotiations. We prioritise speed and efficiency to get you back to full operation as quickly as possible.
We can help you claim for property damage, stock and inventory losses, business interruption, increased cost of working, loss of rent, plant and machinery damage, and any other losses covered under your commercial insurance policy.
Our fee structure is transparent and agreed in writing before we start any work. You only pay upon successful settlement, allowing you to focus your resources on keeping your business running.