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This policy provides cover for loss resulting from interruption or interference of the business as a result damage to building or other property by fire, lighting and explosion.
It aims to replace lost income/profit which would have been achieved by the business if the interruption to the business had never happened. BI insurance should be adequate to pay for:

  • Loss of income to cater for business costs and profits while production is stopped and levels of sales are recovered after production resumes.
  • Increased costs of working

Material Damage Proviso

Consequential loss policy demands that there must be a material damage policy in force and therefore cannot be issued as a standalone.

What is Insured?

  • Gross Profit
  • Wages & Salaries
  • Increased Cost of Workings (ICOW)
  • Auditors' fees

Perils Covered

Fire Consequential Loss policy follow the fortunes of the Fire & Special Perils Policy and consequently protects against the perils covered under the Fire Policy provided a material damage claim is admissible.


  • Deterioration of undamaged stock
  • Underinsurance under material damage
  • Deductibles applicable
  • Litigation costs

For assistance, contact our Customer Care teams on 0711-030140 and/or 0711-030105, email customercare@directline.co.ke or visit us at our various branches.

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