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Business interruption insurance

PROTECTS YOUR BUSINESS AGAINST LOSSES CAUSED BY BUSINESS INTERRUPTIONS

As a successful business, you do all you can to fulfil customer orders properly and on time. After all, you know that good relationships are fundamental to your business. Generali’s business interruption insurance supports you in this: if your production or operations ever have to come to a halt, you have the best possible protection against the financial consequences.

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Generali business interruption insurance

 

Protect your business operations

Generali's business interruption insurance brings peace of mind for your business. If your operations are suddenly and involuntarily interrupted, Generali will pay for your loss of earnings and additional costs. These might include, for example, costs that you incur in order to still be able to execute a sales order, or ongoing fixed costs and potentially the costs of deposits against obligations that you are unable to fulfil, despite your best efforts. With business interruption insurance, we can insure you flexibly to suit your needs.

 

What is insured?

Generali’s business interruption insurance covers the following risks:

  • Water
  • Fire
  • Damage caused by natural hazards
  • Break-ins

 

What will the insurance pay out for?

If your operations are brought to a halt, your business interruption insurance will cover the following:

  • Loss of sales
  • Extraordinary expenses to ensure business continuity
  • Potential contractual penalties
  • Losses incurred by you as a result of a claim by a supplier
  • Assumption of obligations
  • Assumption of fixed costs such as salaries, interest payments and depreciation charges

 

What add-ons are available?

  • We also offer food poisoning insurance for catering establishments

HOW YOU BENEFIT

  • Loss of earnings are covered if your business is interrupted due to an insured event
  • Safeguards your company’s survival in the event of a claim
  • Additional costs incurred in the event of a business interruption (e.g. rental of alternative premises) are covered
  • Combined discount when you take out multiple modules: attractive combined package with business inventory, business interruption and technical insurance is possible.

How business interruption insurance works

 

Practical example

The popular Marktküche restaurant, located in a beautiful older building, suddenly suffers a burst pipe. The resulting water damage interrupts Marktküche’s restaurant operations for a full two months.

Thankfully, the business interruption insurance means that the financial loss is limited. Generali bears the additional costs associated with continuing to operate: the rent on the replacement premises and new furniture. Generali also covers any loss of sales.

FREQUENTLY ASKED QUESTIONS

Business interruption insurance is a valuable form of protection and an ideal supplement to inventory insurance. It covers loss of income and additional costs incurred. This type of insurance is particularly worthwhile for companies that have few alternative options and rely on their production functioning properly.

ADDITIONAL OPTIONS

Protects your business against legal and financial risks.

Protects your business against losses from damage to inventory.

Protects your business against loss of revenue in the event of mechanical failures.

Protects your business against claims for damages in the event of accidents.