29/10/2026
The fire was out by midnight. The damage lasted six months.
Your asset insurance pays to replace the stock, the equipment and the furniture. But while the building is being repaired, your staff still need to be paid. Rent is still due on the first, and the loan repayment still goes off.
Thatโs the gap Business Interruption cover is designed for. Depending on the policy, it can help replace lost income and profit, and cover ongoing expenses while you recover.
The catch is in two numbers most owners never check:
The cover period. If itโs shorter than your real recovery time, the payout stops before youโre back on your feet.
The amount insured. If itโs too low, it wonโt cover your expenses or the profit you lost.
So hereโs the question to ask your finance team today: how many months could this business survive with no income?
Then compare that answer to your policy.
If those two numbers donโt match, call us.
๐ง [email protected] | ๐ 011 452 4662
Shomang Brokers is an authorised Financial Services Provider (FSP No. 43118). This content is for educational purposes only. Speak to a broker about your specific needs.