Before any insurer will consider a claim for loss of earnings, you must, where appropriate produce the information and evidence detailed below.

Please note that if you were not able to work but you were able to postpone work to a later date, or if you have obtained work to replace that which you lost, you may not have suffered any lost business profit. If, however, you have lost income, or if you have sustained increased business costs by paying an employee or contractor to work additional hours due to your accident-related absence or incapacity, you may have a claim to pursue.

Please provide copies of the following documents by way of evidence to support your loss:
1. Your Tax Returns and Tax Calculations by way of reply from the Tax Office for the last three years. If you do not have your Tax Return and related Calculations, please complete and return the enclosed Tax Office mandate in order that we can apply to them directly.
2. Your profit and loss accounts for the last three years.
3. Your work schedule for the 6 months prior to the accident to date.
4. Bank statements for your business account for the 6 months prior to the accident to date.
5. If you are claiming for increased wage roll costs, please provide copies of your payroll accounts to show that the increased cost starting during your period of absence and returning to its pre-accident level upon your return to normal duties. Please let us have the names and addresses of relevant employees/contractors.
6. Copies of any cancelled contracts, letters to/from customers whose work you lost, etc.
7. Any other documents that you consider would support your claim for lost business profit.

If you employ an account to maintain your income records, you may well feel it more appropriate and easier for your accountant to provide all of the above information. Please note that you would be responsible for this fee in the first instance however we would include it as part of your claim against the other party and try and recover the cost on your behalf. We cannot guarantee that we would be successful in recovering this cost. Should you pay your accountant for providing the required information and documentation please ensure you provide us with a copy of the paid invoice.

In the event that you wish to provide us with the required information yourself but do not have you Tax Returns readily available, we enclose a mandate authorising CS Legal Consultants to access information and documentation direct from the Inland Revenue relating to your earnings and tax liability. Can you please sign and return the mandate.