Business interruption coverage is sold separately by specialist underwriters such as Interruption Underwriting Agencies and SRS Underwriting or more likely added to a package insurance policy or as part of an Industrial Special Risks (ISR) Policy.
While many business and office pack insurance policies contain business interruption coverage, you should not just assume that you have it. While this site has been prepared to assist you understand the cover and how to calculate your business interruption cover, we strongly recommend the use of a competent insurance broker or adviser who can explain and quote on all the various covers available.
You should also discuss with your insurance broker or adviser the exact dollar amount of coverage and the length of time business interruption insurance will continue to pay after the date of the loss. This is known as the Indemnity Period.
Finally you need to need to ensure that the cover on the additional benefits that are available with the cover.
The Zurich Business Insurance Policy – Courtesy Zurich Financial Services (Australia) Ltd
The CGU Business Insurance Policy – Courtesy CGU Insurance Limited