{
  "id": "cov-business-interruption",
  "type": "coverage",
  "languages": {
    "en": {
      "id": "cov-business-interruption",
      "lang": "en",
      "type": "coverage",
      "title": "Business Interruption (BI)",
      "shortDefinition": "Business interruption insurance replaces lost operating profit and continuing costs when an insured physical damage event interrupts business operations.",
      "synonyms": [
        "BI",
        "Loss of profits insurance"
      ],
      "linesOfBusiness": [
        "Property",
        "Business interruption"
      ],
      "jurisdictions": [
        "CH",
        "EU",
        "Global"
      ],
      "tags": [
        "Business interruption",
        "Commercial Lines"
      ],
      "relations": {
        "relatedTerms": [
          "term-deductible",
          "cov-cbi",
          "riskg-bcm",
          "riskg-machinery-breakdown-prevention",
          "riskg-supply-chain-risk-engineering",
          "riskg-shutdown-startup-risks",
          "riskg-loss-estimation",
          "riskg-spare-parts-strategy",
          "riskg-condition-monitoring",
          "riskg-impairment-management",
          "clause-accumulated-stocks",
          "clause-alternative-trading",
          "clause-communicable-disease-exclusion",
          "clause-denial-of-access",
          "clause-departmental-clause",
          "clause-expediting-expenses",
          "clause-haftzeit-indemnity-period",
          "clause-icow-aicow",
          "clause-interdependency-clause",
          "clause-payroll-clause",
          "clause-public-utilities-clause"
        ],
        "partOf": [
          "cov-property-all-risks"
        ],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": [
          "cov-cbi",
          "cov-maschinenversicherung"
        ]
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": {
        "trigger": "occurrence",
        "insuredInterest": "The insured's gross profit and continuing fixed costs following an insured physical damage event that interrupts business operations.",
        "insuredEvents": [
          "Fire and explosion at an insured location",
          "Natural hazard damage (storm, flood, earthquake, where insured)",
          "Machinery breakdown (if extended)",
          "Escape of water",
          "Impact, collision, and burglary-related damage"
        ],
        "keyExclusions": [
          "Losses without an underlying insured physical damage event",
          "Denial of access without physical damage (unless specifically extended)",
          "Pandemic and infectious disease losses (unless specifically extended)",
          "Losses arising after expiry of the indemnity period",
          "War and nuclear energy"
        ],
        "ratingBasis": [
          "Insured gross profit / annual turnover",
          "Indemnity period",
          "Industry and interruption sensitivity",
          "Quality of the underlying property risk"
        ],
        "typicalLimits": "Sum insured based on annual gross profit projected over the indemnity period, commonly 12 to 36 months depending on reinstatement complexity.",
        "typicalDeductibles": "Time deductible (waiting period) of a few days, aligned with the per-occurrence deductible of the underlying property policy.",
        "mandatory": [],
        "targetSegments": [
          "SME",
          "Industry",
          "Multinational programmes"
        ]
      },
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.3.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/coverage/business-interruption/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/deckung/betriebsunterbrechung/",
      "body": "## Scope of cover\n\nInsured is the interruption loss resulting from covered physical damage: lost operating profit plus continuing fixed costs (including payroll), plus loss mitigation costs such as alternative production or express freight. The agreed indemnity period – the maximum period for which the loss is compensated – is decisive.\n\n## Critical parameters\n\nThe indemnity period must cover realistic reinstatement and ramp-up times (often 18 to 36 months for special machinery and supply bottlenecks). The BI sum is based on the insured gross profit; growth and seasonality effects must be factored in. Time deductibles (waiting periods) filter out minor interruptions.\n\n## Interfaces\n\nLosses caused by events at suppliers or customers are covered by the CBI extension; organisational resilience is provided by business continuity management.\n\n## Comparison and delineation\n\nBusiness interruption cover is contingent on an insured physical damage event at the policyholder's own premises and normally forms part of the property programme it is written alongside. Where the interruption originates at a third party – a supplier, customer, or utility – CBI extends the same indemnity-period logic to that contingent exposure instead of the insured's own property. Machinery breakdown BI similarly extends the trigger to internal mechanical or electrical breakdown perils that standard fire and all-risks wordings typically exclude. Business continuity management is not a risk-transfer product but the organisational discipline that reduces the indemnity period and loss magnitude on which the BI premium is priced."
    },
    "de": {
      "id": "cov-business-interruption",
      "lang": "de",
      "type": "coverage",
      "title": "Betriebsunterbrechungsversicherung (BU)",
      "shortDefinition": "Die Betriebsunterbrechungsversicherung ersetzt den entgehenden Betriebsgewinn und die fortlaufenden Kosten, wenn ein versicherter Sachschaden den Geschäftsbetrieb unterbricht.",
      "synonyms": [
        "Business Interruption",
        "Ertragsausfallversicherung"
      ],
      "linesOfBusiness": [
        "Sach",
        "Betriebsunterbrechung"
      ],
      "jurisdictions": [
        "CH",
        "EU",
        "Global"
      ],
      "tags": [
        "Betriebsunterbrechung",
        "Unternehmensversicherung"
      ],
      "relations": {
        "relatedTerms": [
          "term-deductible",
          "cov-cbi",
          "riskg-bcm",
          "riskg-machinery-breakdown-prevention",
          "riskg-supply-chain-risk-engineering",
          "riskg-shutdown-startup-risks",
          "riskg-loss-estimation",
          "riskg-spare-parts-strategy",
          "riskg-condition-monitoring",
          "riskg-impairment-management",
          "clause-accumulated-stocks",
          "clause-alternative-trading",
          "clause-communicable-disease-exclusion",
          "clause-denial-of-access",
          "clause-departmental-clause",
          "clause-expediting-expenses",
          "clause-haftzeit-indemnity-period",
          "clause-icow-aicow",
          "clause-interdependency-clause",
          "clause-payroll-clause",
          "clause-public-utilities-clause"
        ],
        "partOf": [
          "cov-property-all-risks"
        ],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": [
          "cov-cbi",
          "cov-maschinenversicherung"
        ]
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": {
        "trigger": "occurrence",
        "insuredInterest": "Der versicherte Betriebsgewinn und die fortlaufenden fixen Kosten nach einem versicherten Sachschaden, der den Geschäftsbetrieb unterbricht.",
        "insuredEvents": [
          "Feuer und Explosion am Versicherungsort",
          "Elementarschäden (Sturm, Hochwasser, Erdbeben, soweit versichert)",
          "Maschinenausfall (soweit eingeschlossen)",
          "Leitungswasserschäden",
          "Anprall, Kollision und einbruchbedingte Schäden"
        ],
        "keyExclusions": [
          "Schäden ohne zugrunde liegenden versicherten Sachschaden",
          "Zugangsverhinderung ohne Sachschaden (ausser speziell eingeschlossen)",
          "Pandemie- und Epidemieschäden (ausser speziell eingeschlossen)",
          "Schäden nach Ablauf der Haftzeit",
          "Krieg und Kernenergie"
        ],
        "ratingBasis": [
          "Versicherter Betriebsgewinn / Jahresumsatz",
          "Haftzeit",
          "Branchen- und Unterbrechungsempfindlichkeit",
          "Qualität des zugrunde liegenden Sachrisikos"
        ],
        "typicalLimits": "Versicherungssumme auf Basis des über die Haftzeit projizierten Jahresbetriebsgewinns, üblich sind 12 bis 36 Monate je nach Wiederherstellungskomplexität.",
        "typicalDeductibles": "Zeitlicher Selbstbehalt (Wartefrist) von einigen Tagen, abgestimmt auf den ereignisbezogenen Selbstbehalt der zugrunde liegenden Sachpolice.",
        "mandatory": [],
        "targetSegments": [
          "KMU",
          "Industrie",
          "Internationale Programme"
        ]
      },
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.3.0",
      "updated": "2026-09-03",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-09-03T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/deckung/betriebsunterbrechung/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/coverage/business-interruption/",
      "body": "## Deckungsumfang\n\nVersichert ist der Unterbrechungsschaden infolge eines gedeckten Sachschadens: entgehender Betriebsgewinn plus fortlaufende feste Kosten (inklusive Löhne), zuzüglich Schadenminderungskosten wie Ausweichproduktion oder Expressfrachten. Massgeblich ist die vereinbarte Haftzeit – der Zeitraum, für den der Ausfall maximal ersetzt wird.\n\n## Kritische Parameter\n\nDie Haftzeit muss realistische Wiederherstellungs- und Wiederanlaufzeiten abdecken (bei Spezialmaschinen und Lieferengpässen oft 18 bis 36 Monate). Die BU-Summe basiert auf dem versicherten Deckungsbeitrag; Wachstums- und Saisonalitätseffekte sind einzurechnen. Zeitliche Selbstbehalte (Wartefristen) filtern Bagatellunterbrüche.\n\n## Schnittstellen\n\nRückwirkungsschäden aus Ereignissen bei Lieferanten oder Abnehmern deckt die CBI-Erweiterung; organisatorische Vorsorge leistet das Business Continuity Management.\n\n## Vergleich und Abgrenzung\n\nDie Betriebsunterbrechungsdeckung setzt einen versicherten Sachschaden am eigenen Standort voraus und bildet in der Regel einen Bestandteil des Sachprogramms, mit dem sie gemeinsam platziert wird. Entsteht die Unterbrechung bei einem Dritten – Lieferant, Abnehmer oder Versorger –, überträgt die CBI-Erweiterung dieselbe Haftzeitlogik auf dieses Rückwirkungsrisiko statt auf das eigene Sachvermögen. Die Maschinen-BU erweitert den Deckungsauslöser analog auf innere mechanische oder elektrische Ausfälle, die in Feuer- und Allgefahren-Bedingungen meist ausgeschlossen sind. Business Continuity Management ist kein Risikotransferprodukt, sondern die organisatorische Vorsorge, welche Haftzeit und Schadenhöhe reduziert, auf denen die BU-Prämie kalkuliert wird."
    }
  }
}