Insurance industry professionals often tout the ability of claimants and insurers to resolve first-party property claims without litigation. And for the vast majority of claims, this is accurate. When insurance professionals and policyholders work collaboratively to follow the mandates of the policy, namely, to identify scopes of loss and damage, and investigate business income losses candidly, claims can be adjusted and settled.

Atlantic hurricane season is here, along with the necessity for business protection and hurricane risk management and planning. The increasing financial toll of natural disasters and operational disruptions over the past two decades continues to evolve, showing no signs of tempering. 

Non-damage business interruption, or non-physical damage business interruption, refers to insurance coverage that protects businesses from financial losses resulting from the interruption of their income stream, even in the absence of physical damage to property.