Insurance against stoppage of activity for enterprises Insurance against stoppage of activity for enterprisesUnder a property insurance contract, the insurer provides insurance protection against damage resulting from business interruption and/or loss of profits resulting from loss of or damage to insured property that are related to the following insured events: The sum insured is set based on maximum potential losses from interruption of the activity insured, which the policy holder would suffer during 12 months’ period in case of complete cessation of insured activity. Typically, the insured sum includes:
1. Policy holder’s profit for the 12 months preceding the date of insurance contract. 2. Fixed costs of the insured for the 12 months preceding the date of insurance contract signing. If production or commercial activities of the insured are terminated, wholly or partially, due to the onset of material damage, business interruption is considered fait accompli. Material loss occurs when the insured property is damaged or destroyed as a result of an insured event, the compensation for which must be paid by the insurer. Loss from interruption is formed by:
Fixed costs include:
Loss of profits — this is the profit that the policy holder would have received, were it not for the break in production:
Insurance covers losses from business interruption for 6, 9 and 12 months according to the choice of policy holder. Insurance coverage for losses from business interruption and/or loss of profits is available only in addition to property insurance contract. |
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