Business Interruption

Business Interruption

Business Interruption cover insures you for your financial loss and increased costs of working due to an interruption or interference to your business triggered by a Material Damage loss.

What we cover

The FMG Business Interruption policy offers a range of cover, you can choose from these options.  

Cover for loss of profits if your business is interrupted following a loss caused by an insured event. 

This covers you for the reasonable costs you incur to resume or maintain normal operations.

This covers you for financial loss as a direct consequence of loss of your accounting and business records.

Covers you for financial loss for the payment of wages to retain key staff until you can resume or maintain normal operations.

Additional cover

The following is one of the Additional Benefits that is automatically included in your policy.

Provides for an adjustment to be made to any claim to reflect the fact that you’re using up accumulated stock to temporarily maintain turnover.  

Provides you with the flexibility to extend the date that your indemnity period starts from after the date of loss.

Optional extras

You can purchase this Optional Benefit for even more comprehensive insurance.

Covers your financial loss  (up to 10% of each amount shown on your certificate, up to a maximum of $500,000) for an interruption or interference greater than 24 hours as a result of physical loss of plant, equipment or supply lines of any New Zealand supplier of power, gas, water, sewerage disposal or telecommunications.

This extends cover to all items and benefits insured under your Material Damage and Business Interruption policies, including Optional Benefits you’ve selected, following a loss caused by a natural disaster.

Covers you for financial loss caused by the interruption or interference to your business as a result of physical loss or damage to property, roads or bridges which prevents or hinders access to, or use of, your premises.

What we pay

Working out cover amounts and what we will pay for business interruption can be a tricky business as this is unique to your individual operation.

That’s why our team works with you and your accountant directly to calculate the right level of cover for your business. Previous financial returns, trends, forecast growth, and variable costs are just a few of the things that will be taken into account.

Download policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wordings using the links below, or you can get a free copy by calling us on 0800 366 466.


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