Asset Protection · Cover Explained资产护航 · 险种解读
Business Interruption利润中断险
Profit Loss Protection利润损失保障
What it covers
Loss of Gross Profit and additional costs during closure caused by an insured risk. Must be purchased alongside Fire Insurance.
Scope of cover
- Loss of Gross Profit during indemnity period
- Fixed expenses during closure (rent, salaries)
- Extra costs to minimise the loss (temporary premises)
Indemnity Period warning
The Indemnity Period (12-24 months) is the max the insurer pays. Choosing too short a period is the most common mistake — leaving businesses exposed when recovery takes longer.
Exclusions
- Closure not caused by physical damage
- Recovery delays due to lack of funds
- Risks not covered by the base Fire policy
保障承诺
赔偿因承保风险（如火灾）导致经营中断期间的毛利润损失及额外费用，须与火险保单同时持有。
保障范围
- 赔偿期限内的预期毛利润损失
- 停业期间的固定支出（租金、薪资）
- 为减少损失而增加的额外支出
赔偿期限警示
赔偿期限（通常12-24个月）是保险公司赔付的最长期限。选择过短是最常见的错误——当复产时间超出预期时，企业将失去保障。
不保事项
- 非物理损毁导致的停业
- 因资金短缺导致的恢复延误
- 基础火险保单未涵盖的风险
Also in Asset Protection同属资产护航
Not sure if your current policy covers this?不确定你现在的保单有没有保到这块？
Send us the policy — a licensed advisor reads it and shows you where you stand. No charge.把保单发给我们，持牌顾问逐条看完告诉你缺在哪。不收费。