Protecting assets, profit and supply-chain continuity

Property & BI

Property and business interruption protection built around assets, earnings, extra expense and critical dependencies.

Protecting assets, profit and supply-chain continuity

A property programme works only when asset values and the financial impact of downtime are modelled together. Kompetenz maps the damage scenario, the recovery path and the cash-flow consequences before approaching insurers.

Practical focus

BI covers loss of gross profit and necessary extra expense following insured physical damage. CBI extends the logic to named or qualifying suppliers, customers and utilities. The indemnity period must reflect the realistic time needed to rebuild, replace equipment, restore permits and regain turnover.

What the programme should address

Property damage

Buildings, machinery, stock and other physical assets at declared locations.

Business interruption

Lost gross profit, standing charges and extra expense during recovery.

Contingent BI

Financial impact of damage at critical suppliers, customers or utilities.

Indemnity period

A recovery window tested against lead times, approvals and ramp-up.

Values and limits

Replacement values and BI sums insured aligned with real exposure.

Kompetenz priority map

Asset values

92%

BI assumptions

88%

Critical dependencies

78%

Recovery timeline

84%

Illustrative prioritisation used to organise the placement discussion; not market statistics.

How Kompetenz structures the solution

Map values

Validate locations, replacement values, stock peaks and concentration.

Model BI

Build gross-profit, extra-expense and recovery assumptions with finance.

Stress scenarios

Test fire, machinery breakdown, utility and supplier interruption.

Place and negotiate

Align limits, sublimits, deductibles, wording and claims protocol.

Questions to resolve before placement

Are replacement values current and free from underinsurance?
Does the BI calculation match the policy definition of gross profit?
Can the selected indemnity period absorb equipment lead times and ramp-up?
Which suppliers, customers and utilities create CBI exposure?

Build a decision-ready insurance brief

Kompetenz Insurance Broker can review the exposure, test programme assumptions, negotiate wording and limits, and establish a practical claims route before the policy is placed.

Services