Income and Business Interruption Insurance
Protecting your company's financial stability when property damage halts your operations, covering fixed costs, lost profits, and additional expenses to maintain business continuity.
We ensure your company survives, even when production stops
Many business owners focus on insuring buildings and machinery, but underestimate the fact that the real financial disaster often strikes weeks after an incident. If a production hall burns down, the insurance company will pay for a new building, but who will cover wages, leases, utilities, and lost profits during a year-long reconstruction? Business Interruption insurance is your company's "life insurance policy," providing the liquidity needed to survive a critical period and return to the market at full strength.
Which solution is right for your business?
Manufacturing and Trading Companies (Traditional Business Interruption)
For companies where profit is tied to physical production or the sale of goods. If a machine stops, the company isn't earning. Here, lost profit and fixed costs insurance is crucial. We set the indemnity period to cover not only the repair but also the ramp-up back to the original market share.
Services and Administration (Increased Costs)
IT companies, law firms, or consultants often don't need to cover lost profit because they can work from anywhere. However, they need to pay for immediate relocation to temporary offices, rental of IT equipment, or express data recovery. For them, Increased Costs of Working insurance is designed to cover these extraordinary expenses to maintain business continuity.
Landlords (Loss of Rent)
For owners of commercial and residential buildings, a loss of rent after a fire or flood can be devastating, especially if they are repaying a bank loan. Loss of Rent insurance replaces lost income from tenants for the period when the building is uninhabitable or inoperable.
Examples of real-life events this insurance can resolve
Fire in a manufacturing plant
Fire destroyed the hall; restoration will take 12 months. For the entire period, the insurer covers the company's lost profit and employee wages to prevent bankruptcy.
Flooding of a law firm's server room
Water destroyed the servers. The firm had to temporarily relocate and rent cloud services. The insurance covered these additional costs, so clients experienced no disruption.
Nearby explosion
The company was not damaged, but the police closed the entire street for a week due to safety reasons. The insurance covered the loss of profit during the forced closure (denial of access).
Loss of rent in an office park
A fire in the HVAC system rendered the office building inoperable. Tenants terminated their contracts or stopped paying. The insurer compensated the building owner for the lost rent.
How Eurovalley can help you
New NIS2 Cybersecurity Legislation in the Czech Republic: Who it Affects and What You Need to Know
From November 2025, a new Cybersecurity Act (No. 264/2025 Coll.) will come into effect in the Czech Republic, transposing the European NIS2 Directive into Czech law. This directive fundamentally changes the rules for ensuring cybersecurity and will affect hundreds of thousands of organizations across the EU – and thousands of entities in our country.
Let's talk about business interruption insurance
Many business owners focus on insuring buildings and machinery, but underestimate the fact that the real financial disaster often strikes weeks after an incident. If a production hall burns down, the insurance company will pay for a new building, but who will cover wages, leases, utilities, and lost profits during a year-long reconstruction? Business Interruption insurance is your company's "life insurance policy," providing the liquidity needed to survive a critical period and return to the market at full strength.
