Commercial Property: Why “Business Interruption” is Vital for 2026

If you own a retail shop in Dubai Mall or an office in the DIFC, you know that time is money. If a pipe bursts and floods your office, the cost of fixing the floor is small compared to the cost of your business being closed for two weeks. This is where “Business Interruption” cover comes in. In 2026, this is the most critical part of property all risk insurance coverage for any business owner.

Covering Your “Fixed Costs”

Even if your shop is closed for repairs, you still have to pay your rent, your staff salaries, and your electricity bills. Without insurance, these costs can bankrupt a small business in a month. CoverB ensures that your property insurance in dubai pays these “Standing Charges” while your doors are closed. This allows you to focus on getting back to work without worrying about the bills.

Loss of Net Profit

Business Interruption doesn’t just cover your costs; it covers your lost profit. If your data shows you usually make AED 50,000 in profit every week, the insurance company will pay you that amount while your premises are being restored. At CoverB, we help you set up these limits correctly so your 2026 revenue is always “recess-proof.”

The “Extended Period” Clause

Sometimes, even after the floor is fixed, it takes time for customers to come back. A good property all risk insurance plan includes an “Extended Indemnity Period.” This means the insurance keeps paying for a few weeks after you reopen, until your sales return to normal. This is the ultimate safety net for Dubai’s competitive commercial market.

Don’t Let an Accident Stop Your Growth

Your business is your life’s work. Don’t let a physical accident become a financial disaster. Visit https://coverb.ae/ and let us build a “Business Continuity” plan into your property insurance today.