Business Interruption Values & Exposures
Accurate BI values drive better coverage.
Understanding and quantifying Business Interruption (BI) values and exposures is critical to ensuring your insurance coverage aligns with your organization’s financial realities. Sigma7 RWH Myers specializes in forensic loss accounting, helping policyholders establish accurate BI values and effectively communicate their risk profile to underwriters.
Contact Us Today To Learn MoreWhy BI Values Matter
BI values are a critical component of your risk portfolio.
Underwriters rely on these figures to assess coverage and calculate premiums, yet many policyholders fail to present their risks accurately—missing the opportunity to optimize coverage terms. Each renewal presents a chance to refine your BI reporting, improving accuracy and efficiency. Whether you seek a streamlined approach or a more detailed analysis, our independent evaluation ensures you are prepared.
The Challenges of BI Valuation
Many organizations struggle with calculating BI values due to the complexity of financial data and insurance-specific terminology. BI worksheets, often delegated to finance or accounting teams unfamiliar with underwriting requirements, can result in misreported figures that fail to reflect the true risk landscape. A one-size-fits-all BI worksheet does not account for your organization’s unique business model, financial structure, or operational dependencies.
Beyond internal calculations, understanding your true exposure to loss requires an in-depth analysis of factors such as:
A comprehensive and well-documented BI valuation strengthens your underwriting submission, enabling better policy terms, optimized coverage limits, and more competitive premium pricing.
How We Help
Our forensic accounting experts gather, analyze, and present BI data using methodologies customized to each organization’s needs. By providing clear, defensible BI values and exposure insights, we help you maximize your insurance program’s effectiveness while ensuring transparency with underwriters.
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Our services include:
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• Annual BI Value Studies
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• BI Exposure Analysis
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• Schedule of Values Allocation
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• Contingent Business Interruption (CBI) & Supply Chain Risk Analysis
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• Cyber BI Risk Assessment
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• Key Process & Location Exposure Analysis
Independent BI Valuation:
A Necessary Investment
An independent BI evaluation isn’t a question of if—it’s a matter of when. Investing in accurate BI valuations delivers measurable value with every renewal cycle, ensuring your insurance program remains aligned with your operational realities.
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