Lost profit
We assess profit that could be lost during a covered interruption. The calculation basis is defined using business accounts.
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Business interruption
Business recovery needs income as well as repairs. We assess profit and continuing expenses when insured physical damage interrupts operations.
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Protection worth understanding.
Repairing premises alone does not resolve the financial impact of a shutdown. Business interruption can complement property insurance during a contracted recovery period. The sum should be based on business accounts and realistic recovery time, including repair, replacement and restoration of activity.
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01Profit and expenses 01 / 03Your business needs income, too.
Continuing expenses
Protection can consider necessary charges and expenses that continue during interruption. We review those relevant to the proposed calculation.
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02People and recovery period 02 / 03Recovery takes time.
Payroll and operations
We analyse the cost of retaining staff and the ability to resume operations. Financial declarations should reflect expenses that would genuinely continue.
Recovery period
We define an indemnity period around the time needed to restore activity, rather than physical repair duration alone.
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03Damage, time and insured sum 03 / 03Protection based on your numbers.
The damage triggering cover
We coordinate insured property events and the business interruption section to identify the interruptions addressed by the requested programme.
A sum based on your business
We review revenue, expenses and trends with your finance team. The insured profit and period need a consistent methodology.
These are areas to assess, not a promise that every plan includes them. We confirm the proposed scope, benefits and limits with you before you choose.
Recovery time is a financial decision.
Interruption can outlast premises repairs. Replacing machinery, receiving stock or restoring activity requires realistic timing. We review the indemnity period alongside the sum and accounting basis, working with finance staff on profit and continuing expenses supported by records.
We also coordinate the damage triggering cover. Fire-related interruption is assessed with property insurance; system incidents require a cyber review. This distinction helps seek appropriate protection for each source of loss and explain its role in recovery.
Start with your situation
What we review together.
These details help us ask the right questions and compare options on a consistent basis. We can start with a conversation and organise the documents with you.
- Profit-and-loss accounts, sales and business expenses.
- Critical assets, spare-parts suppliers and recovery times.
- Property policy and measures to maintain part of the operation.
How Mint helps
We organise your needs, present the risk and compare proposals with you. Before you choose, we explain the cover, limits and cost. During the policy period, we support changes, claims and renewal, with a team you can speak to.
Talk to an adviserBefore you decide.
Does it cover any fall in sales?
The programme is structured around interruption caused by insured physical damage. We explain the triggering event and how the business loss is measured.
How does Mint help prepare it?
We organise operating information and coordinate technical questions with the insurer, comparing sums, periods and benefit calculations so the decision is understandable.
Is the sum equal to all my sales?
The basis depends on the cover. We use business accounts to review profit and insurable expenses rather than automatically using total sales.
What information helps after interruption?
Sales, expense and operating records help document the impact. We help organise claim requirements and follow up with the insurer.
Let’s design
your coverage.
Tell us about Business interruption. Our team will help with the next step.
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