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This insurance covers the insured in the event of business interruption, due to any one of the property insurance i.e. fire, and pays the following insured amounts:

  • Profits: Profits that would have been earned (based on prior months’ financial statements)
  • Fixed Costs: Operating expenses and other costs still being incurred by the property (based on historical costs)
  • Temporary Location: Some policies cover the extra expenses for moving to, and operating from, a temporary location
  • Extra Expenses: Reimbursement for reasonable expenses (beyond the fixed costs) that allow the business to continue operation while the property is being repaired.

This coverage extends until the end of the business interruption period, which is determined by the insurance company. Most insurance policies define this period as starting on the date of the covered peril and when the damaged property is physically repaired and returned to operations under the same condition that existed prior to the disaster. Business Interruption Insurance is only available as a supplement to Business Property Insurance.

Suitable for:

Businesses such as factories, industries, hotels, dairies, department stores, chain stores, and generally businesses that generate income in an area, and, if destroyed by fire for example, will need a long time to reopen.


Guarantee, that in the event of damage, there will be the money needed to repair the damage.

The information above may vary from Insurance Company to Insurance Company. Depending on the Insurance plan we will propose, we will give you all the relevant information required by the legislation so you can make your decision. Ask us today for an offer and, we will choose the most suitable package for your needs and budget.