Business Interruption Insurance
Protect your income when unexpected events disrupt your business
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What Is Business Interruption Insurance?
Business Interruption insurance protects your business against loss of income and increased operating costs if your operations are disrupted by an insured event such as fire, storm, or other property damage.
If your premises or key business assets are damaged and you cannot operate normally, this cover helps replace lost revenue and assists with ongoing expenses while your business recovers.
To qualify for Business Interruption cover, you typically need to insure physical assets such as buildings, contents, or stock under your business insurance policy.
Who Needs It?
Many business owners insure their buildings, equipment, and stock — but overlook the financial impact of being unable to operate.
- Would your business survive if it had to close for several days, weeks, or months?
- Could you continue paying rent, salaries, utilities, and other expenses during that time?
- Would losing revenue for an extended period threaten your business?
If the answer to any of these is yes, you need this cover.
Estimate the Cover Your Business May Need
Calculate your expected annual financial exposure to understand the potential impact of a business shutdown.
Estimated Level of Cover
This estimate is based on your annual financial exposure and can be used as guidance when selecting your cover limit.
*Calculator results are estimates and should be used as guidance only.
How Does It Protect Your Business?
Loss of Income
Replaces the revenue you would have earned if your business hadn't been disrupted.
Operating Expenses
Helps pay for ongoing costs like rent, salaries, and utilities while you recover.
Additional Costs
Covers extra expenses incurred to keep the business running or speed up recovery.
What Is Usually Covered?
Typically Not Covered
Common Exclusions
Always review your specific policy wording to understand your exact coverage.
How Much Cover Do You Need?
The level of cover you choose represents the maximum amount your insurer will pay for a claim.
Example Scenario:
If your business assets are worth R100,000, you may choose cover of R50,000 if you believe a total loss is unlikely.
Scenario A
If damage totals R40,000, the insurer may pay the full amount.
Scenario B
If damage totals R80,000, the insurer will only pay up to the R50,000 limit selected.
Choosing the right level of cover is important to ensure your business can recover after a disruption.
Could This Happen to Your Business?
Property Damage
Unexpected incidents can quickly disrupt operations.
- A vehicle crashing into the wall of a business premises
- Employees accidentally dropping and damaging essential machinery
Chemical Leakage
Industrial accidents can cause significant structural damage.
A chemical storage tank collapsed, spilling corrosive fluids that damaged the building’s walls and foundation, forcing the business to halt operations.
Situations like these highlight why Business Interruption insurance is essential for protecting your business income while repairs and recovery take place.