Business interruption (BI) cover is a type of insurance that protects businesses from financial losses incurred as a result of unexpected events or disasters that disrupt normal operations. Here’s how it generally works:

It covers the financial losses that a business suffers due to a covered event, such as a fire, natural disaster, or other unforeseen circumstances. These losses may include lost revenue, additional expenses incurred to continue operations, and fixed costs like rent or salaries.

The cover is usually triggered by specific events that cause a temporary halt or slowdown in business operations. These events are typically outlined in the insurance policy and may include damage to property, equipment breakdown, or civil authority orders that prevent access to the business premises.