A physical loss or damage to property of your business, could impair in whole or in part its ability to generate revenue to cover fixed costs and salaries that have to be paid. The insurance covers the loss of gross profit of your business as a result of a covered loss from the date of the damage until the date you fully recover the ability to generate income or reach the volume of business prior to the loss, depending on the type of policy you select.

SCOPE OF COVERAGE: The sum insured is established according to the items to be protected:

• Gross Profits.
• Fixed Costs and Expenses only including ordinary payroll.

INDEMNITY PERIOD: You can choose periods of time element coverage that include from the moment the interruption begins up until:

• The repair of the physical damage which caused the interruption is finished so the business is able to continue operations, or
• The moment when the company recovers the level of business activity it had before the interruption started.

INSURABLE PERILS: In order for the interruption to be covered, it must be caused by one of the hazards insured against (or not excluded) in the property policy causing physical loss or damage to a specified insured property.