Insurance & protection
Business interruption cover Calculator
Project policy-defined gross profit over the chosen indemnity period. This free business interruption cover calculator shows the calculation and its assumptions so you can compare your own figures.
Your results
Project policy-defined gross profit over the chosen indemnity period.
Calculated outcomes
- Additional Expenses
- €50,000.00
Assumptions and estimates
- Projection over the selected indemnity period with monthly trend growth. Insurance policy gross profit often differs from accounting gross profit; use the policy definition. Increased cost of working, payroll, uninsured working expenses, waiting periods and extensions must be agreed with the broker/insurer.
- Method: Sum monthly projected policy gross profit over the indemnity period, using the entered growth trend, then add separately covered expenses.
- Editable inputs are planning assumptions; check the method and result notes for scope.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the business interruption cover calculation works
Sum monthly projected policy gross profit over the indemnity period, using the entered growth trend, then add separately covered expenses.
Editable inputs are planning assumptions; check the method and result notes for scope.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review indicated business interruption cover and projected policy gross profit, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Annual turnover (€)
- 1000000
- Insurance-policy gross profit ratio (%)
- 40
- Indemnity period months
- 24
- Assumed annual trend growth (%)
- 5
- Additional expenses to insure (€)
- 50000
- Indicated Business Interruption Cover
- €888,626.13
- Projected Policy Gross Profit
- €838,626.13