Business interruption

What is business interruption insurance?

It covers your loss of gross profit if the business has to close fully or partially after damage (e.g. fire or water). It pays your fixed costs, such as wages and rent, while you rebuild.

Why business interruption insurance is important

Without earnings, the business will quickly fail, even if the building is insured. The biggest mistake is an indemnity period that is too short. If it takes 24 months to rebuild your factory, but your business interruption only covers 12 months, you will go bankrupt halfway through the process.

Many also forget to factor growth expectations into their business interruption insurance, ending up with a payout that does not match their current turnover.

How Leaf helps

• Period assessment: We help set a realistic rebuilding period based on your industry

• Wage and cost analysis: We ensure that all your fixed expenses are covered, so you can retain your key employees

• Growth audit: We update your sum insured regularly, so it aligns with your actual gross profit.

Let us analyse your business interruption insurance and ensure you have enough coverage for a full restart