Information about business interruption insurance

Whether you are a freelancer or self-employed - if the business is interrupted, this entails financial burdens. Business interruption insurance helps you to keep the financial loss as low as possible.

A business interruption insurance is useful if there is a risk that:

  • the business will come to a standstill due to property damage.
  • the business will come to a standstill due to the absence of a certain person (freelancers, sole traders).

What is insured?

Business interruption insurance protects you if your business comes to a standstill due to one of the following risks, for example: 

  • fire, 
  • burglary,
  • water damage,
  • storm, 
  • loss of key person due to illness or accident.

In the event of a loss, business interruption insurance covers the loss of operating profit and the cover of ongoing fixed costs such as rent, personnel, credit or loan instalments. 


  • At night, a fire breaks out in the machine hall. The damage caused interrupts production for several months.
  • Dr M. likes to ride his bicycle. One day he overlooks a stone and falls heavily. Due to the accident, he is unable to work in his practice for eight weeks.
  • The sole proprietor K. suffers from a serious illness. He is only able to resume his work after three months.
Legal information
1 Care4Business Versicherungsdienst GmbH (a 100% subsidiary of ERGO Versicherung Aktiengesellschaft) acts as an insurance broker and provides consulting services.
UniCredit Bank Austria AG acts only as a tipster.

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