A Business Interruption Policy must be arranged together with a Property All Risks Policy. If the Insured Property sustains accidental damage and the claim is payable under the Property All Risks Policy and the production line is also disrupted as a result, the client can claim compensation for the loss of profit during the interrupted period under the Business Interruption Policy.

For example, if a factory building is destroyed by fire and the property claim is payable under the property policy and production stopped for 3 months due to repair work, the client is then entitled to claim compensation for the profit lost during the 3-month repair period.