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Business Interruption and Loss of Income Insurance
A fire, flood, or equipment failure doesn't just mean repair costs; it means a total halt to your cash flow. While your premises are being restored, you still have to pay rent, salaries, and taxes. A standard property policy covers the physical damage but not the revenue lost due to closed doors. We provide a solution that covers your fixed expenses and pays out your net profit during the forced downtime.
Suitability
For All Business Sizes
Perfect for retail shops, restaurants, and manufacturing plants. This policy secures financial stability when the business physically cannot operate.
Perfect for retail shops, restaurants, and manufacturing plants. This policy secures financial stability when the business physically cannot operate.
Cost
From 200€ per Year
The final price depends on the daily compensation amount and the selected indemnity period. It is an investment that costs less than a single week of forced closure.
The final price depends on the daily compensation amount and the selected indemnity period. It is an investment that costs less than a single week of forced closure.
Speed
Payout within 48 Hours
Once the claim is filed and the downtime begins, the insurer starts calculating the compensation. Fast advances help prevent debts to suppliers.
Once the claim is filed and the downtime begins, the insurer starts calculating the compensation. Fast advances help prevent debts to suppliers.
In 2026, the insurance market has become more rigorous regarding the documentation of turnover. For the insurance to be truly effective in a crisis, it must be linked to the company’s tax filings. The logic is simple: you are insuring actual operating income, not abstract figures. When choosing a policy, it is vital to consider not just the accident itself but also “loss of access” scenarios, which apply if damage to neighbors prevents you from opening.
- Inclusion of “loss of access” clauses for surrounding area incidents.
- Clear definition of the time franchise (days not covered by the insurer).
- Coverage for relocation costs to temporary premises.
- Automatic limit adjustments based on the previous year’s EBITDA.
Tools to solve this problem
Zurich Comercios
Zurich Comercios
Zurich Comercios — Commercial Office Insurance in Spain
- The top choice for retail and hospitality
- Includes compensation for spoiled refrigerated goods
- Daily payouts without waiting for full repair completion
Zurich Pyme
Zurich Pyme
Zurich Pyme — Insurance for Gyms and Fitness Centers
- Professional solution for manufacturing and warehouses
- Covers losses due to breakdown of mission-critical machinery
- Customized limits based on the company's annual turnover
Agent's opinion "The biggest mistake is insuring only your net profit. In 2026, we recommend insuring the gross profit, including fixed costs. If you only cover the 'net plus,' you won't have the funds to pay your staff during repairs, and you'll lose your team before you can even reopen."