Business interruption
For whom?: All companies with continuous activity impactable by material claim — Annual premium: 4,000-80,000 MAD/an
Business interruption compensates commercial margin lost following major claim (fire, water damage, cyberattack) having interrupted activity. Essential complement to multi-risk which only covers material damages. Real cost of claim is often activity stop, not repair itself.
Coverage details
Monthly compensation of unrealized turnover (gross margin) during stop period, per negotiated ceiling (generally 12-24 months). Coverage of incompressible fixed costs (salaries, rents, charges). Option: deductible insurance (delay before trigger).
Legal framework
Not mandatory but strongly recommended. Condition often required by bankers for operating or long-term investment credits. Job protection in case of claim.
Claim examples
- Restaurant: kitchen fire, 4-month closure, 800K MAD compensation (unrealized margin)
- Factory: main machine breakdown, 2-month stop, 1.2M MAD compensation
- Shop: vandalism and looting, 6-week closure, 450K MAD compensation
- SME: cyberattack, 3-week stop, 350K MAD compensation
Exclusions
- Voluntary activity stop
- Losses related to economic situation
- Claim not covered by underlying multi-risk
- Long deductible (>30 days) without subscribed deductible option
2026 taxation
Deductible premium. Compensation received: reintegrated in result (replaces missed turnover). Neutral tax impact: IS/IR paid on this compensation as if normal turnover.
How to subscribe
Financial audit of last 3 fiscal years (income statement) to determine monthly gross margin. Ceiling definition (12, 18 or 24 months). Deductible negotiation (7, 14, 30 days). Mandatorily coupled with professional multi-risk.
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