Business interruption insurance

Business interruption insurance protects companies against the financial consequences of a business interruption caused by damage to business equipment.

What to do when operations come to a standstill?

Business interruption - what does that mean?

Unforeseen events can throw companies off track. Whether it's fire, water damage or a technical breakdown - business interruption insurance is your guardian angel in an emergency and ensures that your business quickly gets back on track.

Facts & Figures

0 days the average length of a business interruption is

0 € a single day of business interruption causes costs

0 % of companies without business interruption insurance do not survive a longer business interruption

Your advantages at a glance

Business interruption insurance protects your company against financial losses if your business comes to an unexpected standstill. This allows you to concentrate on recovering quickly and continuing your business.

Assumption of fixed costs

Covering ongoing operating costs

Rental costs

Assumption of costs for rental and lease agreements

Loss of earnings

Reimbursement of lost earnings

Profit protection

Reimbursement of lost profit

FAQ on business interruption insurance

We have summarized the most frequently asked questions about business interruption insurance (BU insurance) for you in our FAQ. Our experts will also be happy to provide you with individual advice.

Why is BU insurance important?

A business interruption can lead to significant financial losses, as costs such as salaries, rents and loan payments continue while income is lost. Business interruption insurance offers financial protection and helps to cope with the economic impact of a business interruption.

What losses does BU insurance cover?

The BU insurance typically covers the following losses:

Fire: damage caused by fire, lightning, explosion and implosion
Tap water: damage caused by leaking tap water, burst pipes and frost damage
Storm and hail: damage caused by storm, hail, snow and rain
Burglary: damage caused by burglary, theft and vandalism following a break-in
Other natural hazards: damage caused by flooding, landslides, earthquakes, snow pressure and avalanches (optional)

What is not covered by occupational disability insurance?

As a rule, the following are not covered

Damage caused intentionally
Damage caused by gross negligence on the part of the policyholder
Damage caused by war, civil unrest or nuclear events
Damage due to normal wear and tear
Business interruptions that do not result from insured property damage

Who needs BU insurance?

Retailers: Protection against loss of income in the event of damage to store premises
Craft businesses: protection against loss of income in the event of damage to workshops and machinery
Catering businesses: protection against loss of income in the event of damage to restaurants, kitchens and supplies
Offices and service providers: protection against loss of income in the event of damage to offices and IT infrastructure
Manufacturing companies: Protection against loss of income in the event of damage to production facilities and machinery

Are there special occupational disability insurance policies for certain sectors?

Yes, there are specialized occupational disability insurance policies that are tailored to the specific risks and requirements of different industries, such as retail, gastronomy, the skilled trades or IT service providers.

What is underinsurance and how can I avoid it?

Underinsurance occurs when the sum insured is lower than the actual loss of profit and the ongoing fixed costs during the maximum possible interruption period. To avoid this, the sum insured should be regularly reviewed and adjusted.

What are typical exclusion clauses in an occupational disability insurance policy?

Damage caused by intentional or grossly negligent behavior
Damage caused by war, civil unrest or nuclear events
Damage due to normal wear and tear
Business interruptions that do not result from insured property damage

Can the BU insurance also apply abroad?

As a rule, business interruption insurance applies to the specified place of insurance (e.g. company location). For companies with international business operations, however, there are special insurance policies or supplementary agreements that also cover business interruptions abroad.

What is all-risk cover?

All-risk cover extends insurance protection to all unforeseen losses and business interruptions that are not expressly excluded. This offers more comprehensive protection than traditional disability insurance, which only covers certain risks.

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