Loss of profits insurance  
Benefits for your company

What does loss of profits insurance provide? 

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 as a result of damage to property
basic scope
Hurricane and hail
Other elements / force of nature
Flooding with water or other liquids and frost
Falling trees or collapsing structures and disaster
Theft risks
Vehicle impact, smoke, soot, sound wave
Glass and glass objects
Strikes and riots
Other unspecified risks
Mechanical, electrical failures
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You have great goals, unique talents and the courage to put your plans into action. The build-up phase also puts you in front of many new tasks, making time more precious than ever
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Because pressing issues such as financial planning, business registration, appointments with the tax consultant and the first measures to implement the business idea you take advantage of
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Allianz supports you exactly here: by choosing a suitable product for you, you have the peace of mind

Frequent questions about business loss of profit insurance

We have developed the loss of profits insurance for the sector of large businesses that already have business asset insurance with Allianz or want to take out business asset insurance together with the loss of profits insurance.

The insured may be:

  • a manufacturing, commercial or service company keeping full or simplified accounts,
  • the owner of a property,
  • financial institution,
  • car dealer.

The information necessary to conclude an insurance contract is determined at the risk analysis stage by the underwriter. It includes:

  • financial data specified in the sum insured calculation form,
  • description of factors influencing the length of downtime or disruption, e.g.: occurrence of so-called bottlenecks, expected time of property reconstruction, etc.,
  • description of the supplier-recipient relationship, availability and lead time for delivery of machinery and technological equipment or raw materials and semi-finished products,
  • description of the relationship between departments or separate intra-company units,
  • list of damages and damage reserves from at least the last 3 years.
Valuation of the cost of insurance requires a professional risk assessment. The insurance price is determined individually depending on the scope of insurance, type of activity, external threats, structure and protection of property, damage and other factors contributing to the exposure to damage or risk of damage.

No – loss of profits insurance is closely linked to asset insurance.

It is necessary to conclude an insurance contract for business assets with Allianz, as the coverage of damage under this policy determines the liability under the loss of profit insurance policy.

The amount of deductible or deductible franchise is determined individually. It depends on factors taken into account in the risk assessment. The deductible in BI insurance is expressed in days or as an amount - usually the deductible covers between 3 and 7 days.
The amount of the deductible or franchise deductible in the asset insurance policy does not affect liability in respect of lost profit.
You ensure your company with Allianz. You can focus on your business, customers and goals.
We'll do our best to help you handle all insurance-related issues – quickly and conveniently – online.
Fill in and submit the form. We'll let you know when it has been done.
In our archive you will find, among others, forms to help you submit an order, general T&Cs of insurance and documents related to investment funds.
This material is for informational purposes only, it is intended to provide a general outline of the nature and scope of the aforementioned insurance and does not constitute an offer within the definition of Article 66 § 1 of the Civil Code. The detailed scope and terms and conditions of the abovementioned insurance are regulated by the general terms and conditions of insurance with attachments (available in the Documents for Insurance tab), in which you will find provisions concerning, among others, premiums, scope of insurance, limitations and exclusions of liability of TUIR Allianz Polska S.A.  and the conditions of payouts and rules for calculating insurance benefits.