4 Weeks of Standstill. The Bills Keep Coming
When operations stop, the costs keep running
What Can Bring Operations to a Halt?
Fire
A fire in the production hall — weeks until operations resume.
Water Damage
Pipe burst in the server room — IT failure and data loss.
Machinery Breakdown
The main machine fails — spare parts take weeks.
Supplier Failure
Your main supplier cannot deliver — your production comes to a standstill.
What the Insurance Covers
Lost Profit
Compensation for the operating profit that would have been earned without the interruption.
Ongoing Costs
Salaries, rent, leasing installments, insurance premiums — all continue to be covered.
Additional Costs
Costs for temporary measures, alternative premises, or hired machinery.
Suppliers/Customers
Extended coverage in the event of failure by suppliers or customers.
Flexible Indemnity Period
Choose the indemnity period individually — from 6 to 36 months depending on the industry.
Supplier Failure
Optional: Protection against interruption caused by damage at key suppliers.
Which businesses does this apply to?
Manufacturing
Production downtime means immediate loss of revenue.
Hospitality & Hotels
Closure following fire or water damage — loss of revenue with ongoing costs.
Retail
Business closure following a break-in or natural event.
Service Providers
IT failure, building damage — customer appointments cannot be kept.
What is covered?
Versichert
- Lost operating profit during the interruption
- Ongoing fixed costs (rent, salaries, insurance)
- Interruption caused by fire, water, storm, or burglary
- Additional costs for loss mitigation and faster resumption of operations
- Machinery breakdown as a cause of interruption (depending on tariff)
- Consequential losses due to supplier failure
- Expert and loss adjuster costs
- Indemnity period of up to 12 or 18 months
Nicht versichert
- Intentionally caused business interruptions
- Interruption due to market changes or economic cycles
- Pandemic-related closures (without special clause)
- Damage caused by war and civil unrest
- Government-ordered closures without property damage
- Interruption due to IT failure (→ Cyber Insurance)
How We Protect Your Business
Revenue Analysis
Determining the annual gross profit and fixed costs.
Risk Identification
Which events can interrupt your business operations?
Coverage Concept
Defining the indemnity period, waiting period, and extensions.
Policy Conclusion
Optimal policy with an appropriate sum insured.
Frequently Asked Questions
Request Consultation
Free and non-binding — we will get back to you within 24 hours.
Protect Your Business Income
Protect your business from the financial consequences of a shutdown.