BUSINESS CLIENTS · CONTINUITY
Closure ordered by the authorities is an underestimated risk, particularly in hospitality and the food trade.
Free first consultation →The problem
Public health authorities can close a business through no fault of its own, whether because of a disease risk, a hygiene problem or an infection. The costs land directly on the company, often with no state compensation. The pandemic showed how real this risk is.
Our solution
Business closure insurance replaces lost revenue and costs during a closure ordered by the authorities. We examine the scope of cover carefully, because insurers differ considerably, especially in how they define the insured event.
Book an appointment →The hard facts
30 days
is the typical indemnity period, the number of closure days compensated.
75%
is a common daily payment, based on last year's daily turnover.
Infection Protection Act
applies where the authorities issue an individual order under the Act.
Individual orders only
General pandemic and lockdown orders are not covered.
Worth knowing
The authorities can close a business even where it did nothing wrong, for instance because of a disease risk or a hygiene problem.
What is covered is an individual order under the Infection Protection Act, for example where a notifiable pathogen is found.
Rent, wages and spoiled stock continue even while the business is closed, and the daily payment covers that.
Blanket lockdowns and general orders are usually excluded. What is covered is the individual order.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
Why it matters
The food risk
A single salmonella finding or a notifiable pathogen can shut a business for days.
Fixed costs carry on
Rent, wages and lost stock remain, and the daily payment absorbs that.
Know the limits
What is covered is the individual order, not a blanket lockdown, and we establish the scope clearly.
A free first consultation, in person, by phone or by video. You then decide how to proceed.
Book an appointment →