Ärikatkestus

Ärikatkestus, also known as business interruption, refers to the loss of income a company experiences when operations are disrupted due to a covered cause. This disruption can stem from various events such as natural disasters like fires, floods, or storms, as well as man-made incidents like equipment failure, power outages, or even cyberattacks. The core concept of business interruption is that it goes beyond physical damage to property and addresses the resulting financial consequences.

When a business suffers an interruption, it may incur expenses beyond normal operating costs. These can include the costs associated with relocating temporarily, paying for extra expenses to resume operations at a reduced capacity, or the loss of income if the business cannot generate revenue. Business interruption insurance is designed to mitigate these financial losses. It typically covers lost profits and ongoing operating expenses that would have been earned if the business had not been interrupted.

The duration of the interruption and the extent of the financial loss are critical factors in determining the payout from an insurance policy. Policies often have waiting periods and maximum indemnity periods. Understanding the specific terms and conditions of a business interruption insurance policy is crucial for businesses to ensure adequate coverage in the event of an unforeseen disruption. Proactive business continuity planning is also essential, complementing insurance by outlining steps to minimize downtime and resume operations as quickly as possible.