Provides a combination of Material Damage (on all risks basis) coverage and Business Interruption Insurance covering buildings, plants, machinery, stocks etc. This policy offers broader cover than that available in a basic Fire and Allied Peril policy. It will respond to all perils except those specifically excluded in the policy.

The Business Interruption (additional cover or a separate policy) can insure the company for loss of Net Profit and Standing Charges until such time as normal production or commercial operation is resumed.