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We assist with professional translations related to Business Interruption Insurance. These translations are completed by qualified translators who are specialised and experienced in translations of insurance documents and insurance claim documentation.

In summary, business interruption insurance covers the policy holder against loss of income during periods when they are unable to continue business as per usual due to some unexpected event. A more detailed explanation of business interruption insurance can be found at the bottom of this page.


Note: The Axis Translations team are specialist in all types of insurance translation services. Contact us today to discuss your requirements.


Business interruption insurance can be used as a key sales tool as, in the hands of the right person, it can demonstrate that the business has taken measures in case of unexpected events and that those measures can limit or avoid this impacting clients. On this basis, translations of business interruption insurance documentation can be a valuable tool for the sales team. In major industries, such as telecommunications and oil & gas, demonstrating this insurance might offer a competitive edge beyond price.

Checking business interruption insurance for what it includes is a bit like comparing personal car insurance. Car insurance might include such items as breakdown cover, legal assistance and a hire car. Where this policy may offer additional non-financial assistance such as providing an alternative temporary facility. This is something that the management team will need to assess and with international teams that will be another reason to translate the Business interruption insurance proposals received.

We also assist with translations for claims against Business interruption insurance. This includes the translation of financial documents for establishing the proof of earnings.


For more details on business interruption insurance translations, the following pages might assist.

Translations for Obtaining Business Interruption Insurance

Translations of Business Interruption Insurance Certificates and Documentation

Translations for Claims Against Business interruption insurance


What is Business interruption insurance?

Business interruption insurance is a policy that primarily seeks to replace lost business income in the event of a disaster, such as a fire. It is generally an add-on to another type of insurance, such as property insurance. The key in this wording is that the event caused normal business to be halted due to direct physical loss or damage

Business interruption insurance only compensates the policy holder if the specific cause of the business income loss is covered in the underlying policy and the amount payable is usually based on the past financial records of the business. This may need to be proved through the translation of local documents, such as customer order books.


What does Business interruption insurance cover?

It covers operating expenses, relocation to a temporary location if necessary, payroll, taxes, and loan payments. In some cases, a business interruption policy can be applied apply if a civil authority shuts a business operation due to physical damage to a nearby facility.

The cover will normally include:

  • Profits - Reimbursement for profits that would have been earned had the event not occurred.
  • Fixed costs - Expenses and other costs of doing business.
  • Temporary location - Some policies include moving to and operating from a temporary business location.
  • Commission and training cost: In the wake of a business interruption event, such as a fire, the business may need to replace equipment and machinery, which may require retraining staff on how to use it. Business interruption insurance may sometimes cover this expense.
  • Reasonable and Applicable expenses – The reimbursement of reasonable expenses that allow the business to operate while normal circumstances are restored. As example, generator hire.
  • Wages and Salaries
  • Taxes
  • Loan payments:  Business Interruption insurance assists with making loan payments while the business is unable to generate income.

However, the financial limit of the cover and the period of business interruption covered will also be stated in the policy documents. Commonly Business Interruption insurance is limited to 30 days.

Business Interruption insurance generally excludes Flood or earthquake damage and pandemics (a criticism during COVID)