Business Interruption Insurance

Unexpected disruptions can have a serious impact on your operations. Our Business Interruption Insurance provides essential protection by covering income loss and extra operational expenses resulting from damage to your premises or equipment—when such damage is covered under our Fire Material Damage or Industrial All Risk Insurance policies.

This coverage is designed to help your business maintain financial stability during downtime, supporting a smoother and faster recovery so you can get back to business with confidence.

range of coverage

Wage Continuity

Ensures payment of employee wages during the interruption period to maintain workforce stability and support ongoing operations.

Increased Operational Costs

Covers additional expenses incurred to keep your business running or to reduce the impact of the disruption.

Staff Retention Support

Provides financial assistance to retain key staff during downtime, helping you avoid the cost and disruption of rehiring and retraining.

Loss Mitigation Expenses

Covers the extra costs of working necessary to minimize loss of gross profit and sustain business continuity.

Temporary Relocation Costs

Assists with expenses related to moving your operations to a temporary location, ensuring minimal service disruption.

Alternative Supply Sourcing

Covers additional costs involved in sourcing alternative suppliers or materials if regular sources are affected by the interruption.

Ongoing Fixed Expenses

Provides coverage for essential overheads such as rent, utilities, and loan repayments, even when revenue is interrupted.

Recovery Acceleration

Funds initiatives or adjustments that help speed up your return to normal operations, reducing the overall impact of the disruption.

Causes of Damage Covered

Loss of Gross Profit - Covers profit loss due to business interruption from insured events.
Loss of Gross Rentals - Protects rental income for property owners during disruptions.
Loss of Gross Fees - Covers fee income lost by schools, colleges, and other educational institutions.
Loss of Gross Revenue - Provides revenue protection for professionals like lawyers, accountants, and doctors.

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info@bermaxspecialty.com

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Corporate insurance COVER OPTIONS

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