Resources

Insured and Vendor Interruption Loss Roadmap

Table of Contents

    What to Expect from Old Republic Cyber 

    1. Call Us First

      Use our 24/7 breach hotline to speak with a real person within minutes.

    2. Meet your Dedicated Claims Specialist

      Once we receive your message on the breach hotline, you will receive a call from an experienced claims specialist that will be your point of contact from day one through final payment. They will be able to guide you, answer questions about your policy and the process as well as introduce you to the right vendors to assist you in containment, restoration, and development of your Proof of Loss.

    3. Jumpstart with $100K

      The Old Republic Cyber policy includes a $100,000 sublimit (subject to policy terms/conditions) to work with a forensic accountant who will assist you in putting together your Proof of Loss. Please note that the Proof must be provided no later than 6 months after the end of the Policy Period. Engaging with a forensic accountant early in the incident can help to shorten the timeline to final payment.

    4. Proof, Verified

      Once your Proof of Loss is received, we review it with top-tier forensic experts. We may have questions about what you have submitted and about your business operations to better understand and appreciate the loss. If so, we will clearly communicate our questions and additional information we may need to help substantiate the loss and request only what’s truly needed.

    5. Get Paid While We Finalize

      Interruption claims often require time to resolve, as they involve detailed data collection, analysis and review. However, you don’t have to wait until everything’s calculated - interim interruption loss payments keep cash flowing while we wrap up the final figure. We will make payments as we are able to verify the losses submitted.

    Collect What Counts...

    • Show How You Operate - Operational details that highlight your business activity before and after the incident.

      • Monthly sales reports, daily transaction summaries, production/service output reports, inventory reports, customer order cancellations or backlogs, payroll registers and timesheets, etc.

    • Your Business by the Numbers - Clear financial snapshots that help measure the impact on revenue and expenses.

      • Profit & Loss statements (monthly, 12-24 months pre and post loss), balance sheets for the same periods, , seasonal trends, and historical sales data.

    • Capturing the Full Picture - Information that connects the timeline, actions and outcomes to the incident.

      • Timeline of the incident and operational impact, documentation of mitigation efforts and expenses to reduce loss (outsourcing, overtime, workarounds).

    Speed Things Up...

    • Start with a Pro – Use an OR Cyber pre-approved forensic accounting expert from day one.

    • Bring Finance in Early – Let your forensic accountant work with internal teams to gather key numbers fast.

    • Submit Proof of Loss ASAP - The sooner we have it, the sooner funds can flow back to you.

    Avoid These Roadblocks…

    • Incomplete Financial Records - Missing or inconsistent P&L statements, sales reports, or payroll data can stall the loss calculation.

    • Unclear Loss Period - Disputes over when the loss began or ended often require extra forensic review.

    • Delayed Vendor Cooperation - Third parties (vendors, cloud providers, etc.) may take time to provide outage logs or SLA evidence.

    • Scope Creep - Adding losses or costs not covered under the policy means more back and forth and extended review time.

    • Late or Piecemeal Proof of Loss - Submitting documents in fragments instead of a complete, organized package slows verification.

    Stay ahead of Interruption Losses…

    • Know Your Critical Systems - Identify which to restore first to protect revenue.

    • Prioritize With Impact in Mind - Map how each system’s downtime affects revenue, operations and customers to guide recovery priorities.

    • Test Your Disaster Recovery Plan - Keep operations running while systems recover.

    • Centralize Documentation - Assign one person/team to track loss, mitigation, and recovery costs.

    • Plan with Your Forensic Partner - Pre-incident calls mean no surprises; we’ll connect you with a vetted expert for free.