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Do you want to pay for the suspension of business due to the epidemic?

The following methods can be adopted to decide whether or not to pay compensation for business interruption due to epidemic situation:

1. Complain to the insurance company;

2. Complain to China Banking and Insurance Regulatory Commission;

3. sue the insurance company in the local court and demand compensation.

The following aspects should be noted:

1. Start the business interruption insurance claim process

If the purchased insurance can cover the business interruption losses caused by the epidemic, the enterprise can immediately start the business interruption insurance claim process. The loss identification and claim settlement of business interruption insurance is a complicated and protracted process. Therefore, it is the key point for an enterprise to make a correct claim settlement strategy, set up a professional claim settlement team and establish a tailor-made loss calculation model. With regard to the claim settlement process of enterprises, Anyong Forensics and Integrity Compliance Service Team has the following suggestions:

2. Mobilize the internal and external resources of enterprises and set up a professional claim settlement team

Claim settlement is a process that requires the cooperation of multiple professions, and a competent claim settlement team should at least include professionals in legal affairs, insurance claims settlement, enterprise operation and finance/accounting, so as to be evenly matched with the assessment team of insurance companies in terms of professional ability and achieve equal dialogue.

3. Confirm the situation of the affected enterprises and initiate the claim application process in time

If an enterprise decides to claim for business interruption losses, it should file a claim with an insurance broker or insurance company as soon as possible. It is a time-consuming process whether insurance companies carry out loss inspection or enterprises collect evidence to prepare claims.

4. Establish the loss identification strategy and establish the loss calculation model

The current epidemic environment has complex and diverse influencing factors on enterprises. Even for the same enterprise, its subsidiaries in different regions have suffered different losses, so the assessment and identification of losses cannot be generalized. Enterprises should be combined with the epidemic situation in different regions, and analyze the degree of enterprises affected by the epidemic situation one by one.

5. actively communicate and coordinate internally and externally to realize successful claim settlement

it is a complicated and long process involving many parties, from submitting a claim application, initially evaluating the damage and finally settling the claim. Effective communication is the key to the success of each claim, and a scientific and reasonable internal and external communication mechanism will help reduce the overall communication cost of the project and help enterprises achieve the claim goal as soon as possible.

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