Business Interruption Insurance

Fire, water damage or a fault that halts production: KBRS looks at what an interruption would cost your business and proposes the right cover.

or call 03 202 50 30

Who it's for

Who this cover is for

Production businesses

For businesses where a stop in production immediately costs revenue.

Retail businesses

For shops and commercial premises that depend on a physical location.

Hospitality

For businesses that lose income immediately upon closure.

Service providers with fixed costs

For businesses with ongoing rent, wages and leasing contracts that continue during an interruption.

What we insure

Protection for your income when activity stops

Loss of income

Compensation for lost gross profit during the interruption period.

Fixed costs

Cover for costs that continue, such as rent, wages and leasing.

Additional costs

Extra costs to restart the activity faster, such as temporary premises.

Supplier and customer risk

Cover when an important supplier or customer is affected by a claim.

Machinery breakdown as a cause

Extension when a machine fault is the cause of the interruption.

Waiting period and indemnity period

Alignment of the period over which you are compensated.

Possible solutions

Options to consider

Business interruption after fire

Linked to your fire policy, aimed at the period of interruption.

Ongoing fixed costs
Loss of turnover during rebuilding
Temporary premises
Restarting the activity

Business interruption after machinery breakdown

Aimed at production-dependent businesses.

Failure of critical machinery
Waiting time for parts
Temporary outsourcing
Consequences for delivery agreements

Extended business interruption insurance

Also looks at causes outside your own business.

Failure at a supplier
Loss of a customer
Accessibility of the premises
Interruption of utilities

Risks identified

What we look at

Impact of an interruption on your revenue
Fixed costs that continue
Dependence on specific locations or machines
Dependence on key suppliers
Existing insurance
Blind spots in your current cover

Pricing

What affects the price

1

Revenue and gross profit

Basis for calculating the cover.

2

Fixed costs

Level of costs that continue.

3

Indemnity period

Desired duration of cover (e.g. 12 or 24 months).

4

Waiting period

Period before compensation begins.

5

Conditions

Exclusions and indexation.

Why KBRS

Why choose KBRS

Personal risk analysis

We calculate together what an interruption would actually cost your business.

Independent advice

We compare insurers and advise the cover that fits your activity.

Claims support

In case of an interruption, KBRS actively follows your file to a correct settlement.

Frequently asked questions

FAQ

Duidelijke antwoorden over verzekeringen, risicoanalyse en schadebegeleiding.

What's the difference between fire insurance and business interruption insurance?
How is business interruption cover calculated?
Is business interruption also covered if a supplier is affected?
What is a waiting period in business interruption cover?
Can KBRS review our existing cover?
What should we do in case of an interruption to our activity?

Ready to protect your income in case of an interruption?

KBRS calculates the impact of a claim together with you and proposes the right cover.

03 202 50 30