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BUSINESS INTERRUPTIONS INSURANCE

Insured Perils:

Financial loss following a claim under:
Fire Section
Building Combined Section
Office Contents
Other material damage/limited to fire section insured perils

Options:

Gross Profit (difference basis)  Turnover less purchases/bad debts/discounts
Gross Profit (additions basis)  Rent, lease, wages, insurance, etc.
Gross Rentals
Revenue
Additional increase in cost of working
Wages
Fines and penalties for breach of contract

Extensions: [Optional]

(a) Specified Supplier/sub contractor
(b) Unspecified Suppliers (excluding utilities)
(c) Prevention of access – extended cover (within 10km of the premise)
(d) Customers
(e) Public Utilities – Insured perils only (property at Utility premise)
(f) Public Utilities – Extended cover (interruption of utilities)
(g) Public telecommunications – Insured peril (property of utility premise)
(h) Public telecommunications – Extended cover (interruption of utility)
(i) Accidental damage