How is business interruption calculated?

Normally on insurable gross profit over an indemnity period long enough to rebuild, re-equip and recover trade. Setting that period realistically is the most common weakness we find in reviews.

Business

Property, Equipment & Fleet Insurance

Cover for buildings, plant, stock and vehicles, together with the business interruption that follows physical damage.

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What it covers

Buildings, contents, plant, machinery and stock
Business interruption and increased cost of working
Vehicle fleet damage, third-party liability and goods in transit
Specified perils or all-risks basis depending on placement

Commonly excluded

Wear, gradual deterioration and lack of maintenance
Unoccupied or disused premises unless declared
Flood, earthquake or storm in some territories unless specifically insured
Undeclared high-hazard processes or storage

Eligibility

Acceptable construction, occupancy and protection standards
Valuations supported by evidence
Acceptable claims history

How a claim works

01Make the site safe and prevent further damage
02Notify insurers and provide photographic evidence
03Retain damaged property for inspection
04Support the adjuster with accounts and repair quotations

Who it is for

Property owners, occupiers and tenants
Manufacturers and warehouse operators
Businesses operating vehicle fleets

Key benefits

Sums insured tested against reinstatement values rather than book value
Indemnity periods set against realistic reinstatement timelines
Fleet consolidated under a single renewal and claims process
Risk-improvement recommendations that can reduce premium over time

Documents to prepare

Schedule of locations and reinstatement values
Asset and vehicle registers
Fire, security and maintenance arrangements
Business interruption gross profit calculation

Request a quote

Describe the transaction or exposure. We will confirm the information underwriters need and approach suitable providers through licensed partners.

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FAQ

Property, Equipment & Fleet Insurance questions

Practical answers on how this instrument behaves in a real transaction.

Important notice

Osford Risk Group is not an insurer, surety or guarantor. Descriptions on this page are illustrative and are not an offer of cover or a statement of what any policy will pay. Actual coverage, exclusions, limits, deductibles, premiums, eligibility and availability depend on the insurer or surety, the underwriting outcome, the wording of the issued policy, bond or guarantee, and the law of the relevant jurisdiction. Regulated activity is arranged through appropriately licensed partners.

Related coverage

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