MAAF Business interruption: presentation, guarantees and limits in 2026

MAAF Loss of Business is commonly used by professionals faced with temporary business stoppages due to loss or technical incident. Policyholders mobilize this contract to secure sales and maintain payment of fixed expenses during the period of interruption. A regularly mentioned strength: rapid coverage of declared fixed costs, which limits the immediate impact on cash flow.

Contexts of employment where the contract is particularly relevant: retail businesses dependent on a single point of sale, craftsmen with rental and wage costs, and small industries sensitive to a production stoppage. The product is well suited to structures with a clear accounting history enabling the financial loss to be established.

Limits observed in frequent employment: delays in ascertainment and expert appraisal that can lengthen the period before compensation, deductibles expressed in days of unavailability, and coverage ceilings that are sometimes insufficient for high losses. Certain contractual exclusions apply to claims not reported on time, or related to events not covered by the underlying comprehensive insurance.

Positioning for first-time policyholders: subscription accessible but requiring precise supporting documentation (balance sheets, sales statements, rental contracts, list of employees). Level of complexity assessed as moderate due to the obligation to clearly define the indemnity period and the expense items to be covered. Usual conditions of eligibility: declared professional activity, claim covered by the multi-risk professional policy taken out and absence of previous undeclared claims.

Elements facilitating underwriting and day-to-day management:

• quote and underwriting possible via the online professional space
• insured space for tracking contracts and due dates
• accompaniment by a dedicated advisor for analyzing cover
• detailed claim reporting procedures and online forms
• documents to be provided well listed in the general conditions

Primary coverage: compensation for business interruption. Role: to compensate for the difference between foreseeable sales and sales achieved during the period of interruption due to an insured loss. General operation: assessment of loss based on accounts, application of a deductible period in days, then payment of a daily or flat-rate indemnity up to a contractual ceiling. Frequent cover items:

• loss of gross margin
• fixed costs (rent, salaries, interest)
• contributions and taxes linked to the business

Second key cover: assumption of additional reinstatement and recovery costs. Role: to finance the expenses required to get the business back up and running quickly (temporary work, replacement equipment, communication). How it works: reimbursement based on receipts, within the limits stipulated in the contract and sometimes with a specific ceiling.

Optional cover: extensions targeting specific needs, such as the business interruption option linked to supplier or subcontractor claims, deductible buy-back, indirect loss cover or legal protection for claims. These options extend coverage beyond direct losses and anticipate cascading effects on the operating chain.

Interest of options according to profiles: for a company dependent on a single supplier, the subcontractor-related losses option reduces the risk of interrupted flows; for a high-traffic store, the commercial relaunch option finances the return to service and communication; for a structure with low margins, the deductible buyback limits the initial financial impact. Current options available:

• Franchise buyback
• Extension to indirect losses
• Sales relaunch assistance
• Takeover of subcontractor losses