A prolonged interruption can quickly put your business in financial distress. This insurance protects you against revenue losses and ensures that your company remains financially stable even after an incident.

• Ongoing operating costs: Rent, salaries, leasing payments
• Lost profits: Revenue losses during the business interruption
• Additional expenses: Necessary measures to maintain operations

Consequential loss or loss of profit insurance is especially important for:

• Manufacturing businesses with machines and production facilities
• Trades and retail businesses that rely on inventory
• Freelancers and service providers who face high fixed costs when their workplace is out of service

The so-called indemnity period defines how long the insurance will provide coverage. This period can be individually agreed and typically ranges between 12 and 36 months.

The premium depends on several factors:

• Type of business and risk exposure
• Sum insured and scope of coverage
• Duration of the indemnity period (12–36 months)

• Business interruptions without a prior insured property loss
• Damages outside the agreed indemnity period
• Losses due to illness or pandemics

No, both terms refer to the same type of coverage. They are used synonymously and describe financial protection in the event of lost income caused by an insured property damage.