Business Interruption Insurance for South African Businesses

Protect your income when unexpected events stop your business from operating.

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Tailored cover Built around your business

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Human support Real experts, real help

What is Business Interruption insurance?

Business interruption insurance helps protect your business from financial loss when operations are disrupted due to insured events.
When your business stops operating, expenses don’t stop with it.
Rent, salaries, supplier obligations, and operational costs continue even when income slows or disappears.

What is covered

Cover is tailored to your business and may include:

Loss of business income
Ongoing operational expenses
Temporary financial support during closure
Income disruption following insured events
Operational recovery support

What is NOT Covered

Coverage depends on the selected products and limits. Certain exclusions may apply to:

Planned closures
Market downturns unrelated to insured events
Operational inefficiencies unrelated to covered incidents

Who needs this cover?

This solution is ideal for businesses seeking broader protection under one structure. Common industries include:

Restaurants & Hospitality

Salons & Wellness Businesses

Manufacturers

Service-Based Businesses with fixed overheads

Retail Stores

Warehouses & Distributors

A Real Life Scenario 🇿🇦

A retail business experiences a break-in that results in stolen stock, damage to the premises, and several weeks of operational disruption. At the same time, a customer lodges a liability claim relating to an incident that occurred before the closure.

Without Insurance

No revenue enters the business
Rent and salaries still need to be paid
Cash flow becomes strained quickly

With Entresure

Income disruption is covered
The business stays financially stable during closure
Recovery happens faster

Why is this cover critical?

Unexpected disruptions can happen at any time:

Fire damage
Severe weather events
Theft-related operational shutdowns
Civil unrest disruptions

Business Interruption vs Business Premises Insurance

Many businesses require both.

This Cover

Business Interruption insurance

Protects your income during operational downtime.

Business Premises Insurance

Protects the physical building and structure itself.

How much Business Interruption insurance do you need?

Cover depends on:

Monthly revenue
Operational expenses
Payroll obligations
Recovery timelines
Industry exposure

Why choose Entresure for this cover?

Tailor-made protection for SMEs
Built around real operational risks
Flexible cover structures
Fast quote process
Designed for South African business realities

Frequently Asked Questions

Does this cover loss of income?

Yes, depending on the insured event and selected cover.

How long does cover last during downtime?

This depends on your policy structure and recovery period.

Can small businesses get business interruption cover?

Absolutely. SMEs are often the most financially vulnerable during closures.

Entresure (Pty) Ltd is a licensed Financial Services Provider | FSP 51464

Waterfall Park, Waterfall Crescent South, Ground Floor, Mahai Close, 84 Bekker Rd, Vorna Valley, Midrand, 1686