BUSINESS CLIENTS · CONTINUITY
An interruption caused by fire, storm or equipment failure costs more than the physical damage.
Free first consultation →The problem
Physical damage is often repaired quickly; the revenue lost during the interruption is not. Rent, salaries, loan repayments and other fixed costs continue even when nothing is being earned. Without business interruption cover the company has to close that gap from its own funds.
Worked example
An illustrative example. The €250,000 of physical damage comes from a documented fire; the lost profit depends on how long the interruption lasts and on the fixed costs.
Our solution
Business interruption cover replaces the profit you would have made and the fixed costs that continue. We size the sum insured correctly, a step that is often underestimated, and secure your company's financial continuity even through long interruptions.
Book an appointment →The hard facts
18–24 months
is a sensible indemnity period; that is how long the interruption should be covered for.
€250,000
of actual physical damage in a documented fire at a practice.
Fire
is statistically the biggest cause of business interruption.
Fixed costs
Wages, rent and loans carry on during a shutdown.
Worth knowing
The indemnity period sets how long the loss is covered for. Too short and the payments stop before the business is running again.
What is covered is the lost operating profit plus the fixed costs that continue, not the destroyed item itself.
Permits, delivery times and finding tradespeople often stretch a shutdown to many months. The indemnity period has to cover that.
Relying heavily on particular machines, premises or suppliers raises the risk of interruption, and that belongs in the calculation.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
Why it matters
Choose a realistic indemnity period
18 to 24 months, so the cover lasts until everything is rebuilt.
Work out the fixed costs
Wages, rent and running costs have to be covered during a shutdown.
Check your dependencies
The more the business depends on particular premises, machines or suppliers, the greater the need.
A free first consultation, in person, by phone or by video. You then decide how to proceed.
Book an appointment →