Business interruption insurance

• Gross profit: Difference or additions basis.
• Gross rentals.
• Revenue.
• Additional increase in cost of working.
• Wages (on a ‘number of weeks’ basis).
• Fines and penalties.
• Accounts receivable (to a maximum of N$100,000).
• Other premises: Where your property’s stored or in transit; where your motors may be; and contract sites.

Business interruption caused directly or indirectly by:

• Drought.
• A telecommunications fault of the facility belonging to your premises.
• Intentional, organised action by a telecommunications provider (with exceptions as noted on your policy schedule).
• Accidental damage (unless otherwise noted on your policy schedule).
• Pollution of water.
• A shortage of fuel, gas or water.
• Faulty installation of any part belonging to your premises.
• Intentional, organised action by a public authority.
• Consequential loss (except for rent or alternative accommodation).
• The detention or confiscation of money by a lawfully constituted authority.
• Stoppage, slowing down or the interruption of work or processes.
• Nuclear substances.
• Wars, political acts, terrorism (or any such attempted acts), acts of a foreign enemy, warlike operations, civil war, military uprising, usurped power, martial law, rebellion or revolution (and lawful authority dealing with these).

• Accidental damage.
• Prevention of access.
• Prevention of access to other premises.
• Public telecommunications: Insured events only.
• Public telecommunications: Other causes.
• Public utilities: Insured events only.
• Public utilities: Other causes.
• Riots and strikes.
• Specified customers.
• Specified suppliers and sub-contractors.
• Unspecified suppliers and sub-contractors.