bedrijfsonderbrekingsschade

Bedrijfsonderbrekingsschade, also known as business interruption loss, refers to the financial losses a business incurs when it is unable to operate its normal activities due to damage to its property. This damage can be caused by a wide range of events, including fire, flood, theft, or vandalism. The inability to conduct business as usual leads to a loss of income and can also result in ongoing expenses that the business continues to incur even when not operating.

Typically, business interruption insurance is purchased to cover these types of losses. This insurance aims to compensate the business for the net income it would have earned had the interruption not occurred. It can also cover essential operating expenses that continue during the shutdown period, such as rent, salaries, and loan payments. The goal of business interruption insurance is to help a business recover financially and return to its pre-loss financial position as quickly as possible.

The calculation of bedrijfsonderbrekingsschade can be complex. It generally involves analyzing historical financial data to project what the business's income and expenses would have been during the period of interruption. Factors such as seasonality, market conditions, and the expected growth of the business are often taken into account. The indemnity period, which is the maximum duration for which the insurance will pay out, is a crucial element of the policy.