Business Interruption Insurance
Continuity protection when operations stop unexpectedly.
Overview
Business Interruption (BI) insurance covers income loss and fixed costs when operations are disrupted due to insured events such as fire, flood, or machinery breakdown. Ace structures BI coverage to align with recovery periods and enterprise risks — not just insurer defaults.
Key Risks We Cover
- Loss of Gross Profit / Revenue
- Increased Cost of Working (ICOW)
- Fire, Flood, and Machinery Breakdown Triggers
- Contingent BI (supplier/distributor dependency)
- Loss of Rent / Income (for landlords or operators)
Our Capabilities
- Modelling of time-to-recovery and exposure mapping
- Data-driven estimation of indemnity periods
- Integration with property, machinery, and liability policies
- Benchmarking of limits and wordings by sector
Client Outcomes
- Financial stability during operational recovery
- Liquidity protection for fixed and variable costs
- Reduced risk of contract defaults due to operational delays
Why Ace
We've placed BI programs for clients with highly interdependent supply chains and infrastructure operations. Our claims team understands the need for urgency and precision when proving income loss and negotiating settlements.