Commercial property claims are not domestic claims with a bigger number on the end. They involve business interruption cover, stock loss, payroll continuity, supplier obligations and customer contracts. We build the claim around protecting cash flow, not just rebuilding the premises.
For Businesses
Every day your business is closed, your competitors are open.
Commercial property claims are not domestic claims with a bigger number on the end. They involve business interruption cover, stock loss, payroll continuity, supplier obligations and customer contracts. We build the claim around protecting cash flow, not just rebuilding the premises.
We understand businesses claims
What insurers won't tell you about commercial claims
Downtime is the real loss.
The insurer will quote you a premises rebuild figure. The damage to your business is the lost trading weeks, the salaries you still pay, the customers who go elsewhere. Business interruption cover is where most claims are under-recovered.
Stock, fittings, machinery, all separately valued.
Domestic 'contents' becomes commercial inventory, plant, fixed equipment and tenant improvements. Each is valued under different policy clauses. We catalogue every category correctly the first time.
Your time is on the trading floor, not on a claim.
You should be running the business. We become your single point of contact with the insurer, the loss adjuster, the contractors and the surveyors, so the claim runs alongside operations rather than instead of them.
- 01 Emergency response Make-safe arrangements, mitigate further loss, secure premises within hours.
- 02 Quantify the loss Buildings, stock, fixtures, plant, business interruption, all separately scoped.
- 03 Negotiate the claim We handle the loss adjuster, the forensic accountant, the broker, and any subcontractor disputes.
- 04 You stay trading Interim payments arranged, settlement secured, business protected.
7-day
Emergency response window
6+
Sectors regularly served
24h
Initial site assessment
100%
Confidentiality on every brief
Claim types
Commercial claims we represent
Pick a claim family below for the dedicated page on how we manage it.
Sectors we represent
From single-unit retail to multi-site operations.
We have handled commercial property and business interruption claims across every category of Irish business. We understand the operational, contractual and regulatory pressure around getting trading again, not just getting paid.
- Retail and hospitality (pubs, hotels, restaurants, shops)
- Offices and professional services
- Light industrial and manufacturing
- Warehousing and distribution
- Healthcare and clinical premises
- Educational, religious and community buildings
"They understood the business interruption side of the claim from day one, which the broker had not. The settlement they negotiated covered six full weeks of trading, payroll included. We would not have asked for half of it."Liam K. Managing Director, hospitality, Co. Cork
Why N.J. Carroll
Why businesses choose us
- Established 1988, decades of Irish commercial claim experience
- Specialist in business interruption and consequential loss
- Full quantity surveying capability in-house
- Forensic-accountant network for complex BI claims
- Confidentiality and discretion on every brief
- Central Bank regulated, RICS Chartered, SCSI members
Frequently asked
Common businesses questions
What is business interruption cover and is it on my policy?
Business interruption (BI) covers loss of profits, ongoing fixed costs and additional expenses while you cannot trade. It is on most commercial policies but the indemnity period and gross profit definition vary widely. We read the policy and tell you exactly what is recoverable.
How quickly can you get on site?
For genuine emergencies, fire, major flood, storm damage, we can be on site the same day or by the next morning at the latest. We arrange make-safe and emergency mitigation immediately.
We have multiple sites. Can you handle a portfolio claim?
Yes. We've represented chain operators across multiple counties on a single linked claim. One point of contact, one strategy, separate recoveries per location.
Will the insurer make interim payments while we trade?
Often, yes, especially for BI cover. We push for interim payments early in the claim lifecycle so cash flow is protected while the full settlement is being negotiated.
How do your fees work for a commercial claim?
No win, no fee, with the percentage agreed up front in writing before we start. The fee is calculated on the additional settlement we secure, not on the gross figure.
Get in touch with our businesses team
Get your business trading again, faster.
Confidential brief, no obligation, response within the working day.
Accountable representation
Ireland's leading Insurance Claim Consultants
We represent businesses as full members of the four professional bodies that govern insurance, claims and chartered surveying practice in Ireland. The qualifications behind your claim are the ones that matter most.
Start Your Insurance Claim Today
Free initial advice. No win, no fee. Central Bank regulated, Cert C41330.
Get your business trading again, faster.
Confidential brief, no obligation, response within the working day.