Business Interruption Insurance

What is it?

At its essence, this insurance policy aims to replace income lost if a business is disrupted due to direct physical loss or damage, including but not limited to fire or a natural disaster. The business interruption policy is sometimes referred to as a loss of profits or consequential loss policy. The intention is to cover the actual or potential loss of earnings, along with any other additional expenses as a result of material damage.

Typical Claim Examples related to
property damage

  • Storm and Flood
  • Fire
  • Earthquake
  • Theft
  • Wind and Hail
  • Malicious Damage
  • Explosion

And many more perils.

What does it cover? 

The loss of gross profit and/or reduction in the turnover during the indemnity period along with the increase in the cost of working. This usually follows loss or damage at the insured premises due to any of the insured perils covered under the property damage policy.

Worry-Free Guarantee

With every policy purchased with UniTrust, our customers are provided with a Worry-Free Guarantee.