COVID-19 Business Interruption Insurance Services

The COVID-19 pandemic has caused severe disruptions to businesses across South Africa, and worldwide. For many businesses it is likely that the impact of the pandemic will continue into the foreseeable future. 

Business owners and management are turning to their Insurers for indemnification under their Business Interruption insurance policies for the shortfall in income and additional expenditure incurred as a result of the pandemic.   

Indemnification under an insurance policy for COVID-19 related losses is complex and naturally dependent on each policyholder’s cover. There are numerous factors to be considered in determining policy response and quantification of the losses, primarily the causal link between the virus and the losses suffered.

Business Interruption policies generally require physical damage in order to trigger coverage. However, many commercial policies contain clauses where physical damage is not required.

For example:

  • Extended Damage clauses, including Infectious Disease;
  • Event / booking cancellation
  • Acts of Authorities.

The consultants at RSM South Africa are experienced in the preparation and quantification of Business Interruption insurance claims and the negotiation thereof. We can assist with the reviewing of insurance policy wording for potential cover for Business Interruption losses suffered due to the COVID-19 pandemic, as well as assist with the quantification, submission and negotiation of Business Interruption insurance claims, should the policy be triggered.

For further information, please contact:

Taryn Forsyth

Regional Divisional Director: Risk Advisory Services

[email protected]

Visit our COVID-19 Resource Centre here


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