Replaces lost income and covers ongoing fixed costs if an insured event — like a fire or flood — stops you from trading.
Replaces the gross profit your business would have earned if trading had continued normally.
Keeps paying rent, salaries and loan repayments while you're unable to trade.
Select how long cover lasts after an event, based on how quickly your business could realistically recover.
| Cover feature | Detail |
|---|---|
| Indemnity period options | 6, 12, 18 or 24 months |
| Cover basis | Gross profit plus increased cost of working |
| Requires | An active Business Assets Insurance policy |
| Excess | Matches the linked Business Assets policy |
| Claims basis | Assessed against audited financial records |
No — Business Interruption cover is only available alongside an active Business Assets policy, since it responds to the same insured events.
Based on your audited financial records, comparing actual trading results to what would have been expected without the interruption.
This should reflect how long it would realistically take your business to fully recover and rebuild trade after a serious event — your adviser can help you estimate this.
An adviser at Mzansi Advisors can help you estimate a realistic indemnity period — at no extra cost.
Speak to an adviserCompare all commercial insuranceNo session context