Business Interruption

Protects you from the loss of earnings due to an interruption.

While a comprehensive Fire Insurance policy may take care of the physical damages brought on to your business by an accident, it takes a Business Interruption coverage to protect you from the loss of earnings you may have to bear due to an interruption in your operations. Business Interruption insurance could also provide you the additional cost of working so that you have sufficient resources to take care of utilities, payroll, loans and other obligations while your business is in the process of being restored.

** Please note that Business Interruption is not sold as a standalone policy. Either purchase it in conjunction with your Property All Risk policy or Fire policy, or under package products such as Office Protect and Commercial Multicover.

Summary of Cover

(All of the items below and its limits are entirely optional)

Basic Cover

  • Gross Revenue
  • Gross Profits
  • Increase In Cost of Working
  • Gross Rental


  • Auditors’ fees/ Accountants’ fees
  • Denial of Access
  • Public Utilities
  • Suppliers’/ Customers Premises (for Class 1 constructions only)
The above are only some of the items we provide cover for under this insurance, if they are not enough to encompass your needs, you’re more than welcomed to request a tailor-made product with extended covers*

*extended cover comes with additional premium

Major Exclusions

Exclusions under this insurance vary according to the coverage chosen. For more information, please feel free to contact us

For details and quotations of tailor-made policies to suit your needs, please contact us or your insurance agent/broker.

Note: Please note that the above information is a brief articulation of what the product covers and is intended to be a general summary. We request you to refer to the policy wordings document for exact terms and conditions and details of the exclusions.

Contact Us


We are always ready to provide quality services to you. If you are interested in our product, please feel free to contact us at:
Hotline: (852) 2232 2888
Fax: (852) 2232 2899
Email: [email protected]
Or please simply leave your contact and we will serve you with professional advice.