Insured gross profit
The income and continuing costs the business needs to protect after insured physical damage.
Assets & continuity
Business Interruption
Help preserve income and meet continuing expenses after insured physical damage.
Business Interruption addresses lost gross profit, continuing expenses and reasonable additional costs following insured property damage.
Introduction
What is Business Interruption?
Business Interruption is commonly considered by businesses whose revenue depends on premises, machinery, utilities, suppliers or key customers. It can address lost gross profit, continuing expenses and reasonable additional costs following insured property damage.
What it protects
What can the policy protect?
The scope of Business Interruption should clearly define the insured interests and the protection required.
Indemnity period
A recovery period aligned with realistic repair, replacement and restart timelines.
Additional cost of working
Reasonable additional expenditure used to reduce interruption and support recovery.
Operational dependencies
Key utilities, suppliers, customers and locations whose disruption could affect revenue.
Common events
What types of loss can be covered?
The examples alongside help test the proposed programme against realistic situations. They guide the conversation but do not represent automatic cover.
Reduced or suspended operations
Insured physical damage prevents the business from operating normally.
Long repair or replacement period
Specialist equipment, building work or imported parts extend the time needed to recover.
Additional recovery costs
Temporary premises, overtime or alternative arrangements are required to reduce the interruption.
Programme context
Where this cover fits
Industry applications
The role of the cover should reflect the operation, contractual responsibilities and potential severity of loss.
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Mining, Metals & Minerals
For remote, capital-intensive operations with heavy equipment, specialist people and complex logistics.
Manufacturing
For operations where machinery, stock, people, suppliers and production continuity work as one system.
Garment & Textiles
For labour-intensive production, valuable stock and delivery commitments across local and export markets.
Hotels & Hospitality
For public-facing operations where premises, people, service continuity and reputation all matter.
Independent property review
Review Business Interruption with Talisman.
Share your current wording, renewal terms or information about the requirement. We will help identify the practical next step.
Illustrative information only. Coverage, availability, limits and terms depend on the risk profile, insurer approval and final policy wording.