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Business Interruption Insurance

Business Interruption is considered to be as vital to the sustainability of a business as the insurance for the damaged property itself. It protects cash flow by covering the temporary loss of income that would have been earned if the business operations had not been impacted by physical damage to the property. Typically Business Interruption insurance is added to the Property insurance policy or sold as part of a package of covers, rather than as a stand-alone policy.

What could happen?

There are all manner of incidents that can cause damage to a business premises, possibly the most tangible in the minds of many would be a fire or flood.

Imagine you had an engineering business which suffered a fire in the building containing bespoke machinery and products in the course of completion. You would be relying on your Property (Material Damage) insurance cover to take care of instigating the clean up, repairing the buildings, replacing equipment and to compensate you for the value of the stock/work in progress. However, your business could all too easily fail without suitable Business Interruption insurance as this will be needed to make up for the loss of income whilst the property and contents are reinstated, not to mention the longer term impact on profits if customers are forced to go elsewhere whilst production has temporarily stopped.

How we can help?

We have experienced staff to help identify the most suitable cover for you, including helping to assess the sum insured and indemnity period that will provide the best protection. A comprehensive package will be recommended and the following elements of cover are commonly included:

• Profits that would have been earned had the incident not occurred • Fixed costs, operating and other ongoing expenses • Reimbursement of reasonable expenses that allow the business to continue to operate • Additional expenses incurred with temporary relocation • Accountancy fees

Why customers choose Marlow Gardner & Cooke

We’re not a call centre, we don’t have call queues You talk to the same people; you know them, they know you We listen but also ask lots of questions; we tailor your solution around you We take ownership of problems and respond with solutions You can be confident your insurance has been set up correctly You can meet us face to face at our office or on site Our service includes risk management advice and claims support

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