Business Interruption Claims Support in Edinburgh: Recover More, Worry Less
Get Back on Track—Expert Business Interruption Claims Management for Edinburgh Businesses
If your business has been forced to close or scale back because of fire, flood, or a major incident, you’re likely worried about how long you can keep going. Our Edinburgh-based claims experts will help you recover lost income, keep your staff paid, and get back to business—without the usual insurance runaround.
- No win, no fee—no risk to you;
- 25+ years’ claims experience;
- Fast response throughout Edinburgh and the Lothians;
- FCA-regulated, fully independent service.
Call Your Local Claims Team.
Immediate response. Zero obligation.
Your business deserves a full recovery—let us fight your corner.
Why Handling a Business Interruption Claim Alone Can Cost You Dearly
A sudden closure due to damage or disaster means your bills don’t stop, but your takings do. Edinburgh business owners know how quickly overheads add up—rent, payroll, suppliers—all while waiting on the insurance company to decide your fate. The claims process is full of paperwork, fine print, and delays that most owners simply don’t have time for.
PCLA steps in as your advocate. We work directly for you, not your insurer. From evidence gathering and paperwork to detailed loss calculations and negotiation, our Edinburgh team takes on the full claim process, making sure your business interruption insurance covers everything it should—so you can focus on what matters most.
What Makes Our Service Different for Edinburgh Business Owners
| How We Help You | The Difference It Makes |
|---|---|
| Independent assessment of business losses | No lost detail—every loss and cost is included |
| Complete claims management, start to finish | No admin headaches or chasing insurers |
| Expert negotiation with every major insurer | Stops underpayments—gets your real entitlement |
| Local presence across Edinburgh | Fast help, in-person support, local understanding |
| Help with financial and business documentation | Your claim stands up to scrutiny—nothing left out |
Is It Time to Get Professional Claims Help?
- Insurer’s offer seems unfair or confusing
- You’re not sure how to prove loss of income, profit, or extra costs
- You’ve already spent hours on forms and calls
- Staff, suppliers, and clients are left waiting
- You fear missing out on what your policy should pay
Not sure if you qualify?
Our Claims Process - Taking the Pressure Off You
Step 1: Get in Touch or Request a Callback
Speak directly to a local claims specialist—share what’s happened, and we’ll explain your cover and options in simple terms.
Step 2: On-Site Business Review—Fast
We’ll visit your business premises in Edinburgh quickly to document every aspect of the interruption, using local knowledge to spot hidden losses.
Step 3: Claim Preparation Done Right
Our team compiles all financial records, trading data, and supporting evidence—presenting a rock-solid claim that stands up to scrutiny.
Step 4: Negotiation & Advocacy
We push for the full settlement you deserve with all the leading insurers—Aviva, Hiscox, Allianz, Direct Line, and more—challenging low or unfair offers.
Step 5: Settlement Paid—You Choose What Happens Next
Use your own suppliers and repair teams, or take our recommendations. The funds go to you, not us.
Why More Edinburgh Businesses Trust PCLA
- Personal claims service from local Edinburgh experts;
- Regulated by the FCA and completely independent;
- No win, no fee—no upfront costs, ever;
- Plain English advice, regular updates, full transparency;
- Our clients often receive 30–60% higher settlements than insurer offers;
- 25+ years supporting businesses through major loss.
Ready for Straightforward Help With Your Business Interruption Claim?
Don’t risk missing out—call our Edinburgh business claims team now!
Local service. No pressure. Just honest, expert support when you need it.
From Uncertainty to Full Recovery: Edinburgh Business Interruption Claim Case Study
When a family-owned retail shop in Edinburgh’s New Town was forced to close for six weeks after a severe roof leak, the insurer’s initial offer didn’t cover even half of the lost turnover.
PCLA took over, gathered business accounts and proof of ongoing expenses, and produced a full loss assessment.
After our intervention, the final settlement was raised from £8,500 to £25,200, covering lost profits, wages, and supplier payments. The owner never had to deal with the insurer again, and the business was back serving customers with no further financial worries.
- Final settlement: £25,200;
- Initial insurer offer: £8,500;
- Time to settlement: 10 weeks.
Let us help you secure your full entitlement…
Worried About Your Claim? Find Clear, Honest Answers Here
What is business interruption insurance?
Business interruption insurance protects your business against lost income and mounting expenses when unexpected events disrupt your daily operations. It covers lost turnover, fixed running costs, and extra expenses—helping your business recover quickly. Unsure if your policy provides enough protection? Speak to a PCLA expert today for a free, jargon-free review of your cover.
What does a business interruption cover include?
A solid business interruption policy should pay for loss of profits, ongoing overheads, and extra costs needed to keep your business running after a major setback, like fire, flood, or a serious leak. Every policy is different—don’t risk missing out on what you’re owed. Contact PCLA for a tailored policy check and make sure you claim everything you deserve.
How long is the indemnity period for business interruption claims?
The indemnity period—the length of time your losses are covered—can range from a few months up to 36 months, depending on your insurance policy. Choosing the right period is crucial to protect your business fully after a major interruption. If you’re unsure how long you’re covered, or what to claim for, let PCLA clarify your entitlement and help you get the most from your policy.
Can I insure against losses due to a pandemic?
Some business interruption policies offer protection against losses caused by pandemics, but many contain specific exclusions for communicable diseases. The wording matters. Let PCLA review your cover and help you understand what your policy includes—so you’re not left in the dark when you need support most.
What should I do if my business is unable to trade?
If your business can’t operate due to an unexpected event, fast action is vital. Begin your claim immediately and collect all evidence of damage and lost income. The process can be daunting, but you don’t have to handle it alone—PCLA will manage the paperwork, calculate your gross profit losses, and deal directly with your insurer, taking the pressure off you.
Are additional costs covered under business interruption insurance?
Yes—most business interruption policies are designed to cover extra costs needed to keep your business ticking over, such as rent on temporary premises or increased operating expenses during recovery. Not sure what you can claim? Get in touch with PCLA and we’ll make sure every extra cost is included in your claim.
What is the cost of business interruption insurance?
Premiums for business interruption insurance depend on your industry, the sum insured, and the risks your business faces. Choosing the right cover at the right price can be complicated, but a professional assessment is invaluable. For honest advice on the best protection for your business—and practical help with your claim—contact PCLA’s team today.
Don’t Let Business Disruption Put Your Future at RiskGet Help From People Who Care
Ready for real answers? Call our team today!
No sales pressure. No jargon. Just practical, local help.
Types of Property Claims PCLA Can Help You With
When you experience property damage, you need fast, expert help—without the burden of navigating your insurance policy alone. We support homeowners across Scotland with a wide range of domestic insurance claims, providing trusted advice and full claims support from start to finish.
Loss Assessor
We assess property damage, prepare full evidence packs, and negotiate directly with your insurer to secure the best possible settlement. As your dedicated loss assessor in Edinburgh, we act on behalf of the policyholder—not the insurance company—so your interests always come first.
Claims Management
Our team handles every aspect of your claim: from documenting damage to liaising with loss adjusters and challenging low offers. We make complex claims management simple—eliminating paperwork, reducing delays, and ensuring you receive everything you’re entitled to under your policy.
Water Damage Claims
We help with burst pipes, leaks, and appliance failures, preparing detailed moisture reports and managing your escape of water insurance claim end-to-end.
House Fire Claims
From kitchen fires to smoke and structural damage, we carry out full assessments, compile evidence, and negotiate to secure your full fire damage entitlement.
Oil Spill Property Damage Claims
We assess domestic heating oil leaks and contamination, prepare specialist reports, and work to recover all clean-up and repair costs.
Septic Tank Damage Claims
We assist with claims for septic system failures and environmental contamination, documenting the cause and coordinating repair estimates.
Storm Damage Property Claims
We support claims caused by fallen trees, high winds, and roof damage, ensuring all visible and hidden damage is accurately reported.
Accidental Property Damage Claims
We help with unexpected events—from broken fixtures to dropped items—gathering photos, reports and handling all insurer correspondence.
Household Flood Damage
We handle claims for both external and internal flooding, including sewer backups, surface water ingress and heavy rainfall, ensuring no detail is overlooked.
Impact Damage Claims
We manage claims involving vehicles striking walls or structures, coordinating structural inspections and preparing reports insurers can’t ignore.
Theft and Burglary Property Damage Claims
We document all loss and forced entry damage following theft or vandalism, preparing accurate inventories and guiding you through the police reporting and claims process.
Get Help Today
PCLA are Independent Loss Assessors and Claims Managers who work solely for you—the policyholder.
We help homeowners and business owners across Edinburgh deal with sudden damage, water leaks, fires, and insurance complications. If you’ve suffered loss or disruption, we take the pressure off.
With over 25 years’ experience and a team of qualified surveyors, we handle every stage of the claims process—assessment, paperwork, negotiation, and repair coordination—so you don’t have to.
We act on your behalf to secure the full settlement you’re entitled to under your policy. No chasing calls. No second-guessing the process. Just clear, expert support from start to finish.
We make insurance claims easier, faster, and fairer.