Business Insurance Claims Consulting

When catastrophes strike a business’ assets and operations, the ability to recover quickly and restore normal operations is of critical importance. For decades, Stout has quantified claims for business interruption and property loss in an efficient and coordinated manner, helping to facilitate and maximize a timely insurance recovery.

Business Interruption

Our team has significant experience measuring the economic impact resulting from the disruption of business operations, whether it be related to business interruption claims or complex commercial disputes. Additionally, we have performed these analyses in a variety of industries and sizes of business – from privately owned middle market companies to large global companies. We have supported numerous parties to prepare, assess, and present claims for business interruption losses under the terms of applicable commercial insurance policies, as well as associated property damage or replacement value claims.

We offer relevant skills and knowledge of accounting systems and data retrieval, forensic accounting and investigations, financial and economic analysis, and valuation of business entities, as well as familiarity with relevant insurance policy provisions for measuring these claims.

We have assessed and presented business interruption claims from $100,000 to over $100 million on coverage of a single insurance policy to multiple layers of policies. These claims were made on behalf of, but not limited to:

  • Small manufacturers
  • Retailers
  • Hotel and entertainment businesses
  • Food and commodity operations
  • Farm and livestock operations
  • Large industrial companies
  • Oil and gas participants
  • Logistics/Distribution
  • Transportation companies
  • Hospital and healthcare facilities

Property Loss

Stout’s licensed and credentialed real estate appraisers determine the appropriate market value and replacement value for a variety of tangible assets. We consider total or partial loss of value to the subject property. Coordinating with technical engineers, we determine the replacement value of destroyed or impaired special purpose real estate and integrated production facilities incorporating machinery and equipment. Our experienced national team of machinery and equipment appraisers have valued numerous commercial and industrial facilities, including manufacturing facilities, chemical facilities, and refining complexes. These valuations have been performed for numerous purposes, including insurance placements and claims.

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