Business Interruption Insurance
Protect Your Business from Unexpected Disruptions
General Insurance Broker Asia
What is Business Interruption Insurance?
Business Interruption Insurance protects your business’s income and ongoing expenses when operations are halted by covered events like fires, floods, or natural disasters.
Key Benefits
Financial Protection
Covers financial losses resulting from insured property damage events. Helps maintain cash flow during downtime.
Gross Profit Loss
The coverage generally is for Loss
of Gross Profit:
through Reduction in
sales/revenue and/or Increased costs
Aligned Coverage
Perils and exclusions typically follow those in the property damage insurance policy.
Common Covered Perils
- Fire
- Flood
- Natural Disasters
- Power Outages
- Civil Commotion
- Other Perils
Value insured calculation
Business Interruption Sum Insured
=
NET PROFIT BEFORE TAX
(prior financial year)
+
INSURED STANDING CHARGES
(fixed cost)
+
OPTIONAL COVER
(additional increase in cost of working ; payroll…)
=
NET PROFIT BEFORE TAX
(prior financial year)
+
INSURED STANDING CHARGES
(fixed cost)
+
OPTIONAL COVER
(additional increase in cost of working ; payroll…)
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