Business Interruption Insurance: How to Survive a Sudden Closure

At CoverB, we often ask business owners: “If your doors had to close for a month starting tomorrow, could you still pay your staff?” For most SMEs in Dubai, the answer is a scary “no.” Most people know they need insurance to fix a broken window or a burnt wall. But what about the money you don’t make while those repairs are happening? This is where Business Interruption Insurance becomes your most important safety net.

Beyond Physical Damage

Imagine you own a busy boutique in Jumeirah. A small electrical fire happens at night. Your “Property All Risk” cover within your sme package insurance will pay for the new racks, the paint, and the ruined clothes. That is great. But it takes six weeks to get the shop looking perfect again. During those six weeks, you have zero customers. You have zero sales. However, your landlord still wants the rent. DEWA still sends a bill. Your staff still need their salaries.

Business Interruption Insurance is designed to cover this “income gap.” It pays you for the profit you would have made if the fire never happened. It keeps your business alive even when your doors are locked.

How We Calculate Your “Lifeline”

At CoverB, we don’t just guess your lost income. We look at your past performance. We look at your previous months of sales to create a fair “Indemnity Period.” This is the time during which the insurance company will pay your lost profits. As the leading experts in business insurance dubai, we make sure your indemnity period is long enough. If it takes three months to get a special machine imported from Europe, we make sure your policy covers you for those full three months.

Staying Resilient with CoverB

A sudden closure shouldn’t mean the end of your dream. With the right sme business insurance, you can treat a closure like a “pause button” rather than a “stop button.” You can keep your team together, pay your bills, and come back stronger. Visit https://coverb.ae/ and let us help you plan for the unexpected.