Business interruption

Under the king’s ‘Business interruption’ insurance, you can cover:

• Gross profit (difference and additions basis).
• Gross rentals.
• Revenue.
• Additional increase in cost of working.
• Wages.
• Fines and penalties.

You’re covered against financial loss due to:

• Accounts receivable.
• Other premises.
• Prevention of access.
• Prevention of access to other premises.

Business interruption caused directly or indirectly by

• Drought.
• Pollution of water.
• A telecommunications fault of the facility belonging to your premises.
• Intentional, organised action by a telecommunications provider.
• Accidental damage (unless otherwise stated on your policy schedule).
• A shortage of fuel, gas or water.
• The faulty installation of any part belonging to your premises.
• Riot, war, political act, terrorism or any such attempted act, or nuclear substances.
• Wat, military uprising, usurped power, martial law, rebellion or revolution.
• Consequential loss (except for rent and alternative premises).
• Detention or confiscation of money by a lawfully-constituted authority.
• Stoppage, slowing down, or the interruption of work or any process.
• Incidents which occur within South Africa or Namibia, unless specific ‘Riot and strike’ cover has been obtained.
• The act of any lawful authority in any other way dealing with any occurrence referred to in any of the clauses above.

• Accidental damage.
• Guesthouses: Accommodation and lodging.
• Public telecommunications: Insured incidents only.
• Public telecommunications: Other causes.
• Public utilities: Insured incidents only.
• Public utilities: Other causes.
• Riot and strike.
• Specified customers.
• Specified suppliers and sub-contractors.
• Unspecified suppliers and sub-contractors.
• Crèche or nursery school.