This class of business is exactly what it says about itself. If a business stops as a result of any peril covered by the policy, and, such a loss is significant, the owner should have in place such coverage to cover the following: -

Wages for staff members of all categories for the estimated period it will take for the company to get back on its feet.

Coverage for standing charges such as:
  • Payment of rates to municipal authorities
  • Payment of utilities.
Payment of alternative accommodation.

Any other obligation that the operators would normally have to pay.