Generali Business Interruption: presentation, guarantees and limits in 2026

Common use observed among professionals: covering loss of income after material damage (fire, water damage, storm) and maintaining payment of fixed expenses. Strong point regularly highlighted: rapid assumption of fixed expense items essential to business continuity, particularly for small structures that are closely dependent on daily sales.

Relevant contexts: shops, workshops, liberal practices and small industries for which the cessation of activity generates an immediate financial impact. An effective offer for structures with clear accounting and loss tracking, as well as for businesses requiring compensation indexed to pre-loss sales.

Limits and irritants reported: variable appraisal times depending on the complexity of the loss, applicable deductibles and coverage ceilings that can constrain full compensation of economic loss. Frequent exclusions observed in contracts: unjustified indirect losses, supplier failure not linked to material damage and interruption linked to acts of cybercrime not explicitly covered.

Positioning for first-time policyholders: moderately complex underwriting requiring basic financial documents (balance sheets, sales declarations, information on insured premises and equipment). Common eligibility conditions: declared professional activity, conformity of premises and compliance with prevention and maintenance obligations.

Elements facilitating underwriting and management:

• quote online or via dedicated contact
• web client space for consulting coverages
• possibility of managing claims by telephone and via an online form
• accompaniment by agency network for complex claims

Standard package (indicative price €50/month): basic cover for loss of sales following an insured equipment claim, with compensation calculated on the period of downtime and coverage of fixed expenses. Profiles concerned: small businesses and retailers with basic coverage needs.

Intermediate formula (indicative range €80 to €150/month): extended coverage including increased ceilings, reduced deductible and coverage of business recovery costs (restoration, communication). Profiles covered: SMEs and catering establishments or high-traffic businesses.

Premium formula (rates on quotation): customized coverage with additional options (compensation adjusted to actual sales, logistical assistance, coverage of deferred operating losses). Profiles concerned: multi-site companies, industries with critical supply chains and companies with high financial commitments.

Primary coverage: compensation for business interruption. Role and general operation: compensation calculated on the basis of previous sales and fixed charges during the period of interruption covered. Situations covered: fire, water damage, storm and other material damage expressly covered. Example of items covered:

• loss of gross margin
• wages and social security charges
• rents and assigned rents

Second key benefit: coverage of additional costs related to business continuity. Role and operation: reimbursement of costs incurred to limit interruption (temporary relocation, rental of replacement equipment, communication costs). Situations covered: need to restart business rapidly after a disaster, urgent restoration work.

Optional coverages: extensions designed for specific needs, such as the indirect loss extension, the uncollected rent guarantee, coverage for losses following claims at a critical supplier and the deductible buyback option. These options complement the basic cover to tailor protection to the risk profile.

Interest of options according to profiles: for a high-flow business, the indirect loss extension covers the post-loss drop in goodwill; for an industrial SME, the critical supplier cover reduces the risk associated with supply chain disruption. Available options:

• indirect loss extension
• cover for rent and temporary leases
• critical supplier cover
• excess buy-back