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Compare and take out your business interruption insurance

Business interruption insurance ensures that your business is insured in the event of damage caused, for example, by fire, storm, water damage, vandalism or theft.

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"Comparing insurance almost always pays off. Premiums may have increased or your personal situation may have changed. That's why we recommend comparing your insurance every year."

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More than 10 years of insurance experience

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All about business interruption insurance

Is your business hit by fire, water damage or another disaster? Then you may have to temporarily close your business and miss out on income, while your expenses continue.

You can insure yourself and your company against this by purchasing business interruption insurance.

What is loss of profits insurance?

Business interruption insurance ensures that your business is insured against damage caused by fire, storm, water damage, vandalism or theft. The insurance covers your fixed costs and the profit that you would have made under normal circumstances. This way, you will not immediately run into financial problems if your company has to close down for a while. You are then insured against loss of turnover if your business operations come to a standstill for a while.

Where to take out business interruption insurance?

At Alpina.nl you can easily take out business interruption insurance. With us you can compare different providers. Here we show you not only the premium, but also the coverage and policy conditions. So you can make a good comparison. Have you found the best business interruption insurance? Then you can take out the insurance directly.

What does consequential loss insurance cover?

Business interruption insurance covers damage to your business caused by fire, burglary, vandalism, explosion, lightning, storm or water damage. It also covers if the street where your business premises are located is closed off after damage to another building in the vicinity. In addition, the insurance also covers a malfunction on the website that prevents customers from making transactions. The insurer will then cover your company's fixed costs, such as rent and staff salaries. You will also receive compensation for lost profits.

Business interruption insurance discussion

Business interruption insurance: for whom?

Although it is not compulsory to take out business interruption insurance, it can be sensible. Business interruption insurance is for everyone who owns a business. If water damage occurs in your building, it has to be cleaned up and perhaps even demolished. Meanwhile, your work comes to a standstill. In addition, applying for a building permit takes time and you may have to order all kinds of new equipment that is not readily available. In the meantime, your fixed costs such as rent and salaries will continue. If you take out business interruption insurance, you do not need to worry about this.

More about business interruption insurance

Business interruption insurance costs

Before you take out business interruption insurance, you would like to know what the costs are. The cost of business interruption insurance depends on a number of factors, such as the type of business you have, the number of employees, your annual turnover and the payment period you choose. With our online tool you can already calculate an indication of the premium. This will give you an idea of the cost of business interruption insurance. You can also easily compare all premiums of different providers in order to find the cheapest business interruption insurance.

Business interruption insurance meaning

Business interruption insurance is an insurance policy that insures business owners against business interruption due to fire or flooding, for example. Business interruption can be very costly, especially when activities have to be suspended for a while while the fixed costs continue.

Calculate business interruption insurance

Would you like to calculate an indication of the monthly insurance premium in advance? Then easily go to Alpina.nl. With us you can compare the premiums of different insurers online.However, when taking out business interruption insurance, do not only pay attention to the lowest premium. The most important thing is that the insurance covers all risks you run with your business. This way you can be sure that you are properly insured in case of business interruption. After calculating, you can easily and quickly take out the insurance directly online.

Compare business interruption insurance

Before purchasing insurance, it is always wise to compare different providers. This way you can be sure that you are getting the cheapest business interruption insurance at the best conditions. That comparison is very easy with our handy online comparison tool. After entering some company data, you will get an overview of all providers and the corresponding premiums. Moreover, you can also easily compare policy conditions and coverage. So you can quickly choose the best provider for you and your company.

Business interruption insurance fire

Unfortunately, fire happens regularly. Perhaps you work with flammable substances and an employee makes a mistake. Or a bunch of vandals start a fire at night. Fire can have a devastating effect on your business, especially if there is a lot of damage. Damage to your business premises, your inventory and perhaps any machines and other equipment you need to carry out your work. With business interruption insurance, you don't have to worry about rent, salaries and all the other fixed costs that continue to be incurred.

Business interruption insurance ZZP

The business interruption insurance is suitable for both SME's and ZZP'ers. As a ZZP'er it is important for you to be able to do what you do best without worrying about the risks involved in your work. You can also choose to take out a ZZP insurance package. The ZZP insurance package consists of different insurances. If you take out several insurances with the same insurer, you will also receive a package discount.

Business interruption insurance required

Business interruption insurance is not compulsory, but it can be a sensible addition. If you, as an entrepreneur, have to deal with fire or water damage, the costs can be high. Not only will you have to clean up, you will also have to deal with the fact that your activities will come to a standstill while the fixed costs will continue. You have to pay the rent of the premises and the salaries of your employees as well. In the worst case, you will have to demolish and rebuild (part of) the premises. This also costs a lot of time and money. With business interruption insurance, you do not have to worry about paying your fixed costs without income.

Business interruption insurance premium

The premium of business interruption insurance depends, among other things, on the type of business you have. At Alpina.nl you can easily calculate the premium. You do this with our online comparison tool. You enter a number of details, such as the type of company you have, how many employees you have and your annual turnover, and then you will already get an indication of the insurance premium. You can then compare different providers. Moreover, you will also get to see the corresponding policy conditions. This way you can compare on premium and content.

Insured amount business interruption insurance

The sum insured under business interruption insurance is your fixed costs plus net profit. This makes up your company's gross profit. Of course, you don't know in advance how high your gross profit will be. Therefore, every year you report the gross profit of the previous year to the insurer. To prevent under- and overinsurance, most insurers have included an increase/decrease clause. This means that the insured amount will be increased by (usually) a maximum of 30% if, after a claim, it appears that the insured amount is too low. After this a premium supplement takes place. If after a claim the insured amount turns out to be too high, a premium refund will be given.

Take out business interruption insurance

Taking out business interruption insurance is quick and easy at Alpina.nl. When you take out business interruption insurance, you naturally want insurance that suits your company. With us you can therefore compare different providers. Not only can you compare premiums, but you can also see the corresponding policy conditions. This allows you to make a good comparison before you take out the insurance. Of course, you can also ask for advice from one of our insurance specialists. Therefore, be sure to contact us. They are at your service Monday through Friday from 8 a.m. to 6 p.m.

Benefits of business interruption insurance

Business interruption insurance is not obligatory, but it does have many advantages. The consequential loss insurance:

  • Covers the fixed costs and the profit you would have made under normal circumstances
  • Ensures that your business is insured in the event of damage from fire, storm, water damage, vandalism or theft, for example.
  • Avoid financial problems if you have to close your business for a while after damage
  • Is for anyone with their own business
  • Can be completed easily and quickly online at Alpina.nl

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