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Business interruption

With royal cover backing you, small hiccups don’t have to become big hurdles

In a nutshell

Even the slightest interruption to your business can lead to a major loss. You need insurance cover that’ll protect your business from the financial loss that you may suffer if this happens. The king’s business interruption cover won’t just cover you, it’ll also protect your business every step of the way.

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.
  • 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.