Business Interruption – Loss of Profits


COVER:    Loss in Profits due to-Reduction in turnover or increase in cost f working to maintain turnover as a Result of any

admitted claim under current fire Insurance. Cover is to replace loss of income due to resultant damage.


Limits of insurance:

Gross profit including wages –

Audit fees for claim Preparation

Period of Indemnity –


Following extras can be included

1.      Departmental clause

2.       Alteration index clause

3.       Salvage clause

4.       Accumulation of stock

5.       Public utilities

6.       Accountants clause

7.       Payment on account

8.       Minimum retention  50%  – Rebate clause

9.       Denial of access

10.   25% Business increase

11.   Difference in wording

12.   Goods sold and services rendered elsewhere

13.   Customer/supplier clause

14.   Reinstatement of loss

15.   Subrogation waiver clause

16.   Deletion of average

17.   Prevention of Access

Claims Procedure

  • Claim Form
  • Accounting Records
  • Stock Records
  • Fire Brigade Report
  • Police Abstract Report if malicious persons or arsonists involved
  • Full statement of circumstances from relevant persons

Credit Services

Through our finance associates, the group offers insurance premium financing to clients who would prefer to spread their payments while managing their finances.

The service gives our clients better control of their cash flows by eliminating the need to make huge lump sum payments at the time of taking cover.

It also facilitates consolidated insurance payments by enabling an easy payment plan for multiple policies.

Download Loss of gross profit sums calculations

Download Business Interruption – Loss of Profits Following Fire and Additional Perils Insurance