Preserving insurance coverage during operational disruption

CVML

Published on March 24 , 2026

Share:

Notification alone may not be sufficient to protect insurance coverage.

Insurance policies typically require policyholders to comply with a range of additional obligations, including cooperation requirements, mitigation duties and documentation obligations.

Businesses managing operational disruption may wish to ensure that they:

• maintain contemporaneous records of events and decisions
• document the financial impact of operational disruption
• record steps taken to mitigate losses
• retain evidence of communications with suppliers, customers or regulators

These records can be essential when insurers assess the validity and value of a claim.

By taking proactive steps to preserve evidence and comply with policy conditions, organisations can significantly strengthen their position during the claims process.

CVML supports clients in managing insurance claims and developing internal processes that protect coverage while maintaining operational continuity.

If you or your organisation would like to discuss any aspect of this guidance note further, please reach out to your usual CVML contact, or email:

Hisham E. Oweiss, Partner, CVML (h.oweiss@cvml.ae)

Firas Zegallai, Associate, CVML (f.zegallai@cvml.ae)