Business Interruption Insurance
Protect your profits when a claim halts your operations
Business interruption insurance protects your company against the serious financial consequences of a halt in operations, that is, against the loss of income resulting from a stoppage or slowdown of your business. Even during a shutdown, fixed costs keep running, which is why this insurance is key to your financial stability.
Benefits of this insurance
We compensate you for the business profit you fail to earn due to the interruption.
We cover expenses such as salaries, rent, and interest, which continue to accrue even while operations are halted.
Operating costs not tied to revenue are reimbursed for up to twelve months from the claim.
We cover costs such as setting up an emergency operation to reduce the impact of the interruption.
What is covered
Interruption following an insured material damage
Triggered when material damage to an insured business asset (for example, from fire or machinery breakdown) causes the business to halt.
Ongoing fixed costs
Includes salaries, rent, interest, and depreciation that continue to accrue during the interruption.
Emergency operation expenses
Covers the costs necessary to set up a temporary solution and reduce downtime.
What is not covered
Interruption without prior material damage
This insurance is usually taken out as a complement to a material damage policy (building, contents, machinery); it does not cover halts without an insured material claim.
Losses from causes unrelated to the claim
Does not cover income losses resulting from general market developments or business decisions unrelated to the claim.
Real claim examples
Production halt due to fire
A workshop suffers a fire that destroys key machinery; while it is repaired, the insurance covers lost profit and staff salaries for several months.
Interruption due to machinery breakdown
A factory halts production after a severe breakdown; the insurance covers fixed costs and lost profit during the repair.
Frequently asked questions
Is it taken out independently?
It is usually taken out as a complement to a material damage insurance, such as contents, building, machinery, or industrial fire insurance.
What costs does it cover exactly?
It covers lost business profit and revenue-independent fixed costs such as salaries, rent, interest, and advertising expenses.
For how long is the compensation paid?
Usually up to twelve months from the time of the claim, depending on the liability period agreed in the policy.
Does it cover the costs of an emergency solution?
Yes, loss mitigation expenses, such as setting up a temporary operation, are usually included.
Want to protect your business against an unexpected shutdown?
Tell us what material damage insurance you have in place and we will explain how to complement it.
Request free advice