Understand before choosing
A review centred on your circumstances.
This cover is usually optional and often depends on a prior insured material loss; the triggering conditions and indemnity period must be checked.
Choose an appropriate indemnity period
Technical repairs are only part of the recovery time. The period needed to return to normal trading should also be considered, particularly where the business depends on premises, machinery, suppliers or customer flows.
Declare the financial figures correctly
The calculation relies on accounting information and contractual definitions. Turnover, gross margin, variable costs and additional expenses must be understood to set the cover at an appropriate level.
Read the trigger conditions
Some business-interruption cover only responds after property damage insured under the main policy. Other extensions may exist, so the policy wording should be reviewed before assuming that an interruption is covered.
Compare the whole policy.
Price only makes sense alongside cover, deductibles, limits, exclusions and conditions. We collect the relevant information and present available solutions without promising cover that is not provided by the policy terms.
Questions
The essentials.
Is business-interruption cover automatically included in a business multi-risk policy? +
No. It is often optional and must be expressly included in the contract.
Can it respond without property damage? +
It depends on the policy. In many contracts, cover requires a prior property-damage event that is itself insured.
Useful references
Further information.
The general rules presented on this page are based on French public sources. The cover applicable to your case remains the cover stated in the proposed policy.