Disaster stops your machines — not your income.
Loss of profits and fixed cost coverage when insured damage halts operations, keeping your business financially stable through recovery.
Business Interruption Insurance
Protect revenue when operations halt
- Basis
- Gross profit + costs
- Indemnity
- Up to 24 months
- Advances
- Within 30 days
- Extensions
- Contingent BI available
Business Interruption Insurance
Protect revenue when operations halt
Business Interruption Insurance replaces lost profits and pays ongoing fixed costs when insured damage — fire, flood, machinery breakdown — forces your operations to stop. It's the difference between surviving a disaster and closing because of one.
Our BI programs are engineered around your actual financial structure: gross profit, standing charges, payroll, and increased cost of working, with indemnity periods matched to realistic recovery timelines.
Coverage & Reach
Who It's For
Who Needs Business Interruption Insurance?
Manufacturers whose revenue depends on continuous production
Businesses with high fixed costs and thin margins
Companies dependent on single critical suppliers or customers
Hospitality and retail businesses with location-dependent revenue
Any business with significant loan obligations requiring continuity
Why It Matters
Key Benefits of Business Interruption Insurance
Lost profits coverage during downtime
Fixed costs & payroll protection
Increased cost of working covered
Indemnity periods up to 24 months
Contingent BI for supplier/customer damage
Claims advance payments
What's Included
Coverage Features & Capabilities
Gross Profit Basis
Coverage calculated on actual gross profit and standing charges from your financials.
Contingent BI
Protection when key suppliers or customers suffer insured damage that disrupts your business.
Increased Cost of Working
Extra expenses to reduce downtime — temporary premises, expedited shipping, overtime — covered.
Advance Payments
Interim claims payments within 30 days to maintain cash flow during recovery.
Important Information
Standard Coverage Exclusions
The following are typically excluded from standard policies. Specific terms vary by placement.
- Losses from market conditions unrelated to the insured event
- Interruption due to utility failure beyond 72 hours off-site
- Losses from uninsured property damage
- Reduction in demand due to general economic downturn
- Interruption caused by regulatory action unrelated to damage
How It Works
Your Path to Protection in 4 Steps
Financial Analysis
We analyze your P&L to determine gross profit and standing charges.
Indemnity Period
Set realistic recovery periods based on rebuild and supply chain timelines.
Program Integration
BI linked to property and machinery damage policies.
Claims Support
Forensic accountants support rapid claims quantification and advances.
Claims
How Claims Work
A clear, structured claims process designed for fast resolution.
Damage Claim First
BI claims require an underlying insured property damage event. The material damage claim must be accepted before BI responds.
Financial Documentation
Submit management accounts, tax returns, payroll records, and revenue projections for the indemnity period.
Interim Payment
We provide interim payments within 30 days to maintain cash flow while the full claim is assessed.
Final Adjustment
A forensic accountant quantifies the gross profit loss, increased cost of working, and savings, with final settlement issued.
The Thai Insurances Advantage
Why Choose Thai Insurances
We are a single accountable insurance partner combining deep market access, specialist underwriting, and global claims capability — so your coverage is engineered as a system, not assembled from fragments.
- Forensic accounting support for rapid claims quantification
- Advance payments within 30 days maintaining cash flow
- Contingent BI protecting against supply chain disruption
- Indemnity periods engineered around realistic recovery timelines
$4.2B+
Trade Value Protected
12,000+
Verifications Completed
87
Countries Covered
3,500+
Active Clients
Common Questions
Frequently Asked Questions
Claims are based on the gross profit you would have earned during the indemnity period, less savings from reduced variable costs, plus increased cost of working expenses incurred to minimize the interruption.
Explore Further
Related Services
Commercial Property Insurance
Coverage for commercial buildings, plant, machinery, and contents against fire, natural disasters, theft, and accidental damage.
Learn moreMachinery Insurance
Machinery breakdown, electronic equipment, and contractor's plant coverage protecting production assets against mechanical and electrical failure.
Learn moreBusiness Insurance
Packaged commercial coverage combining property, liability, and business interruption into one streamlined business insurance program.
Learn moreSectors We Serve
Industries Covered
Learn More
From the Knowledge Hub
Ready to Secure Your Business Interruption Insurance?
Get a tailored proposal within one business day. Our specialists will structure coverage, terms, and pricing around your specific operations.
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Business Hours
Monday – Friday: 8:30 – 18:00 (GMT+7)
Saturday: 9:00 – 13:00 (GMT+7)
24/7 claims hotline for policyholders
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