Business Interruption Claim Denied?

We Used to Work for Insurers — Now We Fight for Alberta Businesses

A shutdown or slowdown can cripple a business fast. When your insurer disputes your business interruption (BI) claim, cash flow stops, operations stall, and employees are left in limbo. For nearly a decade, we defended insurers. Now we use that insider knowledge to fight for Alberta businesses seeking full BI compensation.

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No Fee Unless We Win.

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Why Businesses Choose Us for BI Claims

Insider Knowledge

Insider Knowledge

We know exactly how insurers minimize BI losses because we used to act for them.

We Handle the Full Dispute

We Handle the Full Dispute

Adjusters, accountants, engineers, negotiations, litigation.

Complex BI Experience

Complex BI Experience

Retail, hospitality, construction, manufacturing, professional services, rental portfolios.

Accurate Loss Quantification

Accurate Loss Quantification

We work with independent forensic accountants to calculate true lost profits.

Fast Intervention

Fast Intervention

BI disputes grow costly quickly — we take control early.

BI claim problems?

Types of Business Interruption Claims We Handle

Insurance Claims We Handle

Fire, Smoke & Explosion BI Losses

Water, Flood & Sewer Backup BI Losses

Equipment Breakdown & Machinery Failure

Supply Chain / Contingent BI

Utility Outage & Infrastructure Damage

Loss of Access or Denied Entry Claims

Partial Shutdown or Slowdown Claims

Commercial Building Damage Causing Operational Loss

Tenant Interruption Claims

Extra Expense Coverage Disputes

Ordinary Payroll & Key Employee Coverage

Rental Income Loss

Builder's Risk BI / Soft Cost Claims

Common Reasons for Disputes

Insurer says loss wasn't caused by a 'covered peril'

'Insufficient documentation' or 'unsupported calculations'

Disputes over the period of indemnity

Insurer-appointed accountants reduce income projections

Insurer says losses are due to 'market conditions,' not shutdown

Wrong gross profits or gross earnings methodology

Improper deductions or adjustments

Disallowed extra expenses

Payroll and fixed expenses undervalued

Scope of repair timelines minimized to reduce BI payment

Insurer delays to apply pressure

What to Do If Your BI Claim Is Being Delayed or Disputed

  • 1
  • Gather financial statements and sales records

    We help organize these.

  • 2
  • Document downtime, cancellations, and lost contracts

  • 3
  • Track extra expenses

    Temporary equipment, staff retention, and relocation.

  • 4
  • Request insurer accountings in writing

  • 5
  • Do not rely solely on insurer-appointed accountants

  • 6
  • Speak to a lawyer early

    BI disputes escalate quickly.

What to Do If Your BI Claim Is Being Delayed or Disputed

Client Testimonials

See what our clients say about their experience with our firm and how we helped them through their personal injury claims.

Five-star review rating

I would highly recommend Shiv Ganesh with Wilson Laycraft for a lawyer. He is down to earth, got right to work and didn't BS around, but got to the point of the matter. He listened intensely and communicated well. He is highly knowledgeable in his field . I would DEFINITELY have him represent myself or any family member, friend or acquaintance that needed a GREAT lawyer.

D. N.

Five-star review rating

Shiv is absolutely fantastic at what he does. I was a pedestrian struck by a vehicle and he has been nothing but diligent, devoted, professional, and dedicated to get the best result possible for me. I am extremely grateful to have had him work on my case and will be recommending him whenever possible.

L. E.

Five-star review rating

My consultation with Shiv was excellent from beginning to end. He replied promptly, reviewed my paperwork ahead of time, and booked me in without any delays. The appointment itself was on time, efficient, and highly professional. I left genuinely impressed with how smooth and streamlined the entire process was.

C. W.

Five-star review rating

I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.

K. W.

Five-star review rating

I recommend Shiv for his professional and honest legal counsel. He provided me with a clear and thorough insurance coverage opinion during a very difficult time, ensuring I understood exactly where I stood. I truly appreciated their straightforward communication, compassion, and fairness regarding my legal fees

Rami H

Five-star review rating

Working with Shiv and his team was a great experience. They explained everything clearly, handled the insurance process from start to finish, and always kept me updated. Professional, responsive, and easy to work with. I'd strongly recommend them to anyone needing help with an injury or insurance claim.

Mohand Shhadeh

Five-star review rating

I had a very positive experience with Shiv and his team. They made the process easy to understand, handled the paperwork and insurance issues, and were always quick to respond. Great service and highly recommended.

Marinka Avramovic

Five-star review rating

I hired Shiv for a very complex insurance matter with major liability risk. Within 90 days of taking over the file, he broke down the issues, developed a clear strategy, and significantly reduced the potential exposure. His work has likely saved me hundreds of thousands of dollars. Shiv is efficient, proactive, and knows how to handle high-stakes insurance disputes. I highly recommend him.

Wuilly Archila

Five-star review rating

Shiv is an absolutely fantastic lawyer and did not leave any stone unturned. He was methodical in approach and frequently showed us why his experience, professionalism, along side his reputation and network, was of exemplary standards. He really surpassed my expectations and I owe so much gratitude today for my family's wellbeing.

Daniel Gounder

Five-star review rating

I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.

Kasun Warnakulasooriya

Five-star review rating

I worked with Shiv and Candace through a car accident/injury claim that had some complexities relating to apportionment and liability disputes. They were exceptionally helpful and made sure to maximize the compensation, providing support along the way. If you have an accident claim and need legal assistance in the Lethbridge area, I would definitely reach out to Shiv and his team.

Brett Clifton

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Business Interruption FAQs (Alberta)

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Trusted by Albertans

for serious injury claims.

Nearly a decade of experience defending insurers — now fighting for you. Member of the Canadian Bar Association, Alberta Civil Trial Lawyers Association (ACTLA), and the Law Society of Alberta. Backed by strong testimonials and proven advocacy.

The Canadian Bar Association
The Law Society of Alberta
The Alberta Civil Trial Lawyers Association
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Call us at 403-527-7736 Or Text us at 403-527-7736

Shiv Ganesh

SHIV GANESH

Personal Injury and Insurance Lawyer

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Business Interruption Insurance Lawyer in Alberta | Insurance Dispute Lawyer