The Business Interruption policy include

  • Loss of Profits Coverage: The policy provides indemnity for the loss of profits resulting from the interruption of business operations due to covered events, such as fire or special perils. This helps ensure that your business can recover financially and resume normal operations as soon as possible.
  • Wages for Staff Maintenance: Recognizing the importance of retaining key personnel during business interruptions, the policy also covers wages necessary to maintain staff during the interruption period. This allows your business to continue paying employees and maintain workforce stability.
  • Increased Costs of Working: In some cases, businesses may need to incur additional expenses to minimize the loss of gross profit during an interruption period. The Business Interruption policy covers these increased costs of working, ensuring that your business can take necessary steps to mitigate financial losses.
  • Maximum Interruption Period Assessment: To determine the appropriate amount of coverage, it is crucial to assess the maximum period of interruption that your business may face. This includes considering factors such as the possibility of relocating operations, the reconstruction period, and any other relevant factors. The policy allows you to select a suitable amount insured as the gross profit based on this assessment, providing tailored coverage for your business.
  • Claims Support: In the event of a claim, PAX Insurance offers professional and timely support to help your business recover from the incident as quickly as possible. This includes assistance with processing the claim, assessing the financial impact of the interruption, and providing compensation as required under the terms of the policy.


PAX Insurance's Business Interruption policy is an essential tool for businesses looking to protect their operations and financial stability during unforeseen events that may disrupt normal activities. By choosing PAX Insurance for your business interruption coverage, you can enjoy the peace of mind that comes from knowing your business is protected by a reliable and experienced insurer.