Build values around the recovery plan
Identify revenue, cost structure, continuing expenses, payroll, expected restoration time, seasonal changes, and the extra costs the business could use to shorten an interruption.
Find dependencies outside the damaged location
Describe utilities, equipment, landlords, key suppliers, testing laboratories, manufacturers, warehouses, customers, and other locations whose interruption could affect the insured. Explain available alternatives and contingency plans.
Business interruption questions
- How does each location generate revenue, and which expenses would continue during a shutdown?
- What restoration period reflects permits, equipment, construction, inventory, and operating restart?
- Which utility, supplier, customer, landlord, or dependent location could stop the business?
What CARMA wants the submission to explain
These details help the team understand the account and identify the next useful question. They do not establish eligibility or available terms.
- Tie revenue and continuing expenses to the correct entity and location using supportable financial records.
- Explain the equipment, utilities, suppliers, licenses, customers, and premises required to resume operations.
- Document realistic restoration assumptions for buildings, equipment, inventory, approvals, and operating restart.
Records for a business income review
- Business income worksheet or financial records supporting revenue and continuing expenses
- Recovery assumptions for buildings, equipment, inventory, approvals, and operating restart
- Utility, supplier, customer, and dependent-location information plus contingency plans
Can CARMA consider this account?
CARMA confirms program fit, licensing, state availability, coverage options, and market interest for each account. This guide does not promise eligibility, terms, pricing, or placement.