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Business Interruption Insurance: The Foundation of Your Company's Security

Protection against Loss of Income

Covering Ongoing Costs

Ensuring Liquidity

Existential Security

For whom is business interruption insurance particularly important?

A business interruption insurance is of existential importance to almost every company and self-employed individual whose operations can be significantly disrupted by external or internal factors. It is particularly critical for small and medium-sized enterprises (SMEs) as well as freelancers such as consultants, graphic designers, or IT specialists, who often do not have substantial financial reserves to bridge longer downtimes. Imagine a water damage shutting down your office or a fire destroying essential production equipment—without ongoing revenue but with continuing expenses like rent, salaries, or leasing rates, this can quickly lead to insolvency. Even for digitally working freelancers whose equipment (e.g., high-performance computers, servers) fails, a business interruption insurance can provide the crucial financial buffer to manage repairs or replacements without facing existential threats and to compensate for lost profits. Thus, business interruption insurance ensures the continuation of your business operations and protects your economic foundation.

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Risk Check

Precise analysis of operational risks for your optimal protection.

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Quick, uncomplicated assistance in the event of digital damage.

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Simple and secure access to your policy online.

Expert Consultation

Our expert advisors provide you with competent and digital support.

Prevention

Practical tips to minimise your business interruption risks.

Flexibility

Contract terms that flexibly adapt to your business.

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Transparent costs and benefits of your business interruption insurance.

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Accurate needs assessment to avoid underinsurance or overinsurance.

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What specific risks does business interruption insurance cover?

The core of business interruption insurance (often also called loss of earnings insurance) lies in protection against financial consequences if your business is interrupted or impaired due to insured property damage. Commonly insured risks include damage caused by fire, burst pipes, storms, hail, as well as burglary theft and vandalism following a break-in. It is often possible to include optional extended elemental damage such as flooding, earthquakes, or snow load. The insurance then covers the lost business profit and ongoing costs (fixed costs) during the interruption period. These include rents, leases, interest expenses, personnel costs, leasing rates, and depreciation. The exact coverage contents and exclusions vary depending on the tariff and provider; therefore, careful examination of the insurance conditions is essential. nextsure helps you transparently design the coverage scope suitable for your specific risks.

How to Determine the Right Insurance Sum for Your Business Interruption

The correct determination of the insurance sum is a crucial factor for full protection from your business interruption insurance. Setting the sum too low results in underinsurance and consequently in reduced benefits in the event of a claim. The insurance sum should cover the maximum possible loss that can occur within the agreed liability period (usually 12, 18, or 24 months). It essentially consists of two components: the annual operating profit and the annual ongoing, non-variable costs (fixed costs) of your company. Fixed costs include rent, salaries, leasing rates, interest, etc. Variable costs, which are eliminated in the event of an interruption (e.g., cost of goods sold), are not considered. Carefully analyze your business management evaluations. It is advisable to plan a buffer for unforeseen cost increases or growth phases. At nextsure, we support you with digital tools and expert advice to calculate and regularly review your individual insurance sum precisely.

The most common causes of business disruptions and how you can prevent them

Business interruptions can have a variety of causes, often occurring unexpectedly. Some of the most common triggers include fires, often caused by electrical faults or human error. Water damage from burst pipes or leaky roofs is also a widespread hazard. Natural events such as storms, hail, or floods (if natural disaster protection is agreed) can completely paralyse operations. Burglary and vandalism frequently result in significant downtime. Increasingly relevant are technical disruptions, particularly with IT systems or machinery. Prevention is a crucial key to risk minimisation: Regular maintenance of technical systems, the installation of fire detection and alarm systems, good building protection, as well as emergency plans and data backups can significantly reduce the risk of business interruption. Although prevention is important, it is only business interruption insurance that provides financial protection if damage occurs despite all precautions.

Difference: Business Interruption vs. Business Liability – a Clear Distinction

Business interruption insurance and commercial liability insurance are two fundamental but distinct protections for companies and self-employed individuals. Commercial liability insurance (CLI) comes into play when you or your employees cause personal injury, property damage, or consequent financial loss to third parties (customers, suppliers, passers-by). It fends off unfounded claims and provides compensation for justified demands. Business interruption insurance (BII), on the other hand, is a first-party insurance. It covers your own financial losses, such as lost profits and ongoing costs, if your operations are interrupted due to insured property damage (e.g. fire, water). In short: CLI protects you from third-party claims, while BII safeguards your own financial existence during business downtime. Both types of insurance are often indispensable and complement each other perfectly to ensure comprehensive protection for your business.

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Business interruption due to cyber-attacks: A growing risk for companies

Cyber attacks pose an ever-growing threat to businesses of all sizes and industries and can lead to massive operational disruptions. Ransomware attacks that encrypt systems, DDoS attacks that paralyse websites, or data theft can bring business operations to a halt for days or weeks. Traditional business interruption insurance usually only covers such cyber incidents if they are the result of an insured property damage (e.g. a fire in the server room due to a short circuit following a cyberattack). For direct financial losses from cyber attacks, such as loss of income due to system downtime or costs for data recovery and IT forensics, a specialised cyber insurance is necessary. This often includes a component for business interruption coverage for cyber incidents. nextsure, as a digital insurance expert, also offers solutions in the field of cyber protection and advises you on how to optimally protect your business against digital threats and the resulting operational disruptions.

What does business interruption insurance cost? Factors and examples

The cost of business interruption insurance is individual and depends on numerous factors. There is no standard price, as each insurance is tailored to the specific risks and needs of the company. Key factors influencing the premium are: the industry and type of business (a manufacturing company has different risks compared to a service provider), the chosen sum insured (in line with profit and fixed costs), the agreed liability period (duration of benefit payment, e.g., 12 or 24 months), the excess in the event of a claim, the scope of the insured risks (e.g., with or without elemental protection), and the company's claims history. Preventative measures such as fire alarm systems can also have a positive impact on the premium. As a rough guide, costs for small businesses or freelancers can start at a few hundred euros per year, while they are correspondingly higher for larger companies. A transparent comparison and a precise needs analysis, as offered by nextsure digital, can help you find a cost-efficient yet powerful business interruption insurance.

Loss event: How to act correctly in case of a business interruption

If damage occurs that leads to or could lead to a business interruption, swift and accurate action is crucial to minimize the damage and preserve your claims with the business interruption insurance. The key steps are: Firstly, take immediate action to mitigate damage, as far as possible without personal risk (e.g., call the fire brigade, turn off water). Secondly, report the damage to your insurer without delay – with nextsure, you can often do this digitally and easily. Thirdly, document the damage comprehensively: Take photos or videos of the affected areas and damaged items. Gather all relevant receipts and information. Fourthly, coordinate all further actions, especially repairs or replacements, closely with your insurer. Fifthly, provide evidence of lost profits and ongoing costs. For this, your accounting records (management accounts, profit and loss statements) are essential. A transparent and cooperative approach significantly speeds up claims settlement.

Does business interruption insurance cover pandemics like Corona?

At nextsure, we understand that securing your business or freelance existence is a top priority. That's why we offer you a modern, digital, and transparent solution for your business interruption insurance. Our mission is to provide you with tailor-made and easily understandable insurance solutions as a digital insurance portal. Benefit from our unique combination of a focused niche portfolio, which also covers special risks, and fully digitalized completion processes. We assist you in understanding the complex aspects of business interruption insurance, determining the correct sum insured, and finding a policy that fits your needs precisely. Our SEO-optimized content and expert FAQs provide you with valuable information. Thanks to our modular approach, you can flexibly design your coverage. Rely on expert advice and a partner who thinks and acts "digital-first" – for your financial security in the event of an emergency.

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We help you with any insurance

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We help you with any insurance

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Frequently Asked Questions

Your answers on business interruption insurance

Does business interruption insurance cover pandemics like Corona?

Does business interruption insurance cover pandemics like Corona?

Does business interruption insurance cover pandemics like Corona?

What is the usual waiting period for business interruption insurance and what does it mean?

What is the usual waiting period for business interruption insurance and what does it mean?

What is the usual waiting period for business interruption insurance and what does it mean?

What exactly happens in the event of underinsurance in business interruption insurance?

What exactly happens in the event of underinsurance in business interruption insurance?

What exactly happens in the event of underinsurance in business interruption insurance?

Can I adjust the sum insured for my business interruption insurance retroactively?

Can I adjust the sum insured for my business interruption insurance retroactively?

Can I adjust the sum insured for my business interruption insurance retroactively?

Are the wages and salaries of my employees covered during a business interruption?

Are the wages and salaries of my employees covered during a business interruption?

Are the wages and salaries of my employees covered during a business interruption?

Is business interruption insurance really beneficial for me as a freelancer or sole trader?

Is business interruption insurance really beneficial for me as a freelancer or sole trader?

Is business interruption insurance really beneficial for me as a freelancer or sole trader?

nextsure – Your digital platform for health and protection insurance. Transparent comparisons, easy online sign-up, and personal expert support make it possible.

nextsure – Your digital platform for health and protection insurance. Transparent comparisons, easy online sign-up, and personal expert support make it possible.

nextsure – Your digital platform for health and protection insurance. Transparent comparisons, easy online sign-up, and personal expert support make it possible.