Protect Your Business Continuity with operating loss insurance.

When running a business, there are risks that go far beyond material damage. A fire, flood or other accident can force the temporary suspension of activity, resulting in a drop in turnover, loss of customers and difficulties in meeting commitments to suppliers and employees.

It is precisely for these situations that Operating Loss Insurance exists.

This insurance compensates the company financially for loss of income resulting from a temporary interruption of activity following a claim covered by multi-risk or fire insurance (such as fire, natural phenomena, among others).

It is important to emphasise that Loss of Operation Insurance does not cover physical damage (this is the responsibility of the Multi-Risk or Fire insurance), but rather the economic consequences of the forced stoppage.

Cover can vary depending on the insurer and the company's needs, and can cover Gross Profit or only Permanent Charges.

The Indemnity Period can also be adjusted, depending on how long you want the cover for - from 3 to 24 months, depending on the characteristics of the client's activity.

Practical examples:

Trade: Imagine a commercial establishment suffers a fire. The premises are rendered unusable, the shop closes, but the costs of salaries, rent and suppliers remain. Without insurance, these costs can become unaffordable. With Loss of Business Insurance, the company maintains financial support until it resumes its activity, ensuring its viability.

Manufacturing plant: a factory is forced to stop production due to a flood that has damaged essential machinery. Even though production is suspended, there are still fixed costs such as salaries, contracted energy and commitments to suppliers of raw materials. Operating Loss Insurance ensures the financial flow needed to meet these costs, prevents disruptions in the supply chain and protects the company's position in the market until it is able to return to production.

At Corbroker, we do more than present policies. We analyse your business in detail, the real risk of downtime, the costs involved and propose personalised solutions, with cover tailored to your reality and your sector.

Prepared businesses cope better with unforeseen events.

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