A fire insurance covers material damage. A business interruption insurance covers loss of income in case of stoppage.
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Business interruption insurance
A fire, storm, water damage, or technical malfunction can shut down your business for days, weeks, or even months. While your fixed costs continue, your revenue may (partially) disappear. p>With a business interruption insurance policy, you protect the financial continuity of your company after an insured incident. It covers the loss of income and gives you the opportunity to restart your operations.
What is a business interruption insurance?
A business interruption insurance aims to protect your company's operating result during the compensation period when the activities that contribute to your turnover are wholly or partially interrupted by a covered material damage event, such as fire or water damage.
It does not cover the material damage itself, which is included under the fire insurance, but rather the financial impact of the interruption of your activities.
For example, the insurance helps to cover fixed costs, such as wages, rent, and loans, during the restart period.
What are the benefits?
After an incident, it can often take weeks or months before a company is fully operational again. While business activities come to a halt, many costs continue as usual.
A business interruption insurance policy helps protect your company’s financial continuity during this period. This way, you prevent a temporary interruption from leading to cash flow problems or threatening your company’s continuity.
Depending on the coverages chosen, the insurance can, among other things, provide compensation for:
The loss of gross margin after an insured damage event.
Fixed costs such as wages, rent and repayments.
Additional costs to resume activities more quickly.
The financial impact of a temporary closure.
Who is this insurance for?
A business interruption insurance is essential for any company that is financially affected when operations come to a full or partial halt, such as:
- SMEs and large companies
- Manufacturing companies
- Retail businesses and shops
- Hospitality businesses
- Offices and service providers
- Liberal professions
Are you dependent on a single location , specific machines, or limited production capacity? Then the risk of income loss due to damage is even greater. Together, we analyze how vulnerable your business is and what coverage is recommended.
What is covered and what is not?
What is covered?
- Loss of gross profit due to business interruption following fire or water damage
- Ongoing fixed costs during the business interruption
- Additional costs incurred to resume operations more quickly
- Losses incurred during the agreed indemnity period
What is not covered?
- Loss of turnover due to economic conditions or reduced demand
- Losses resulting from events not covered under your underlying property insurance
- Business interruption due to planned maintenance
- Losses incurred outside the agreed indemnity period
How much does this insurance cost?
The premium of a business interruption insurance policy is determined, among other things, by:
- Your annual turnover and gross profit
- The amount of your fixed costs 
- The chosen indemnity period (for example 6, 12, or 18 months)
- The nature of your activities
- Your claims history
A realistic calculation of your gross profit is crucial. An estimate that is too low may lead to underinsurance and therefore insufficient compensation in the event of damage.
We will guide you through this calculation and ensure a balance between optimal protection and a fair premium.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
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Personal & involved
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
Expertise & experience
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
Customization & innovation
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
We analyse your business activities, contractual obligations and risk exposure. You will receive a clear proposal tailored to your company.
Request a no-obligation quote or contact us for personalised advice.
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