Companies making a claim under business interruption insurance will use a calculation involving several variables to determine their loss from the interruption, such as time (e.g., how long the interruption of business lasted), quantity (e.g., the number of units of goods or services that are normally produced), and value (e.g., the financial value of units normally produced, usually expressed as profit).
Additional considerations for calculating business interruption include the maximum indemnity period of your policy, expenses saved or that ceased during the interruption, projected sales numbers based on historical trends and year-over-year comparisons, and any working costs associated with the resumption of business.