The Insurance Claim Composer for Business Interruption
DolceDrago 357 — a skill for claiming a margin, not a thing
Variant of Nº066 — The Insurance Claim Composer
What it is
The claim where nothing is missing. No sofa, no vehicle, no stolen bag — only trading that did not happen, proved out of the claimant's own books. Builds the accounting case: the indemnity period and where it really ends, the policy's definition of gross profit rather than the accountant's, turnover shortfall against an adjusted trend, increased cost of working, saved expenses found first, and a daily mitigation log. For businesses closed, cut off or slowed by an insured event.
What you receive
a business-interruption claim file — the immediate notification, the before-and-after accounts with trend adjustments, the loss calculated on the policy's own definitions, the mitigation log, and the schedules that answer an adjuster
Delivered as a single, complete .md skill file — open it, paste it into any capable chat model, and work. No installation, no account with anyone but us.
Supported models
- Claude (Opus/Sonnet)
- ChatGPT (GPT-4o/5)
- Gemini
- any capable chat model
People reach for it when
- “business interruption claim after a fire closed us”
- “how do I calculate lost profit for an insurance claim”
- “insurer says our indemnity period ended when we reopened”
- “adjuster deducting saved expenses we never saved”
- “supplier burned down can I claim lost sales”
Record
lineage: variant · parent 066
gates passed: demand-evidence · function-fit · beats-the-blank-page
status: IN THE COLLECTION
Sale-time bench runs and the fix-or-refund log attach to this record when the payment room opens.
In the collection. The sale room is being fitted; this work goes on sale when it opens.
Join the house — be written to when sales openBack to the collectionLicense
Free-shelf works ship under the DolceDrago House License — use the outputs freely, personal or commercial; the work file itself stays with the house.