Start with a realistic recovery sequence
List the steps after a major incident: assessment, permissions, replacement equipment, recruitment or retraining, reopening and rebuilding customer demand. Ask suppliers about lead times. The date a building becomes usable may be earlier than the date normal revenue returns.
Match the financial wording to the accounts
Ask a broker and accountant to review the policy’s definitions together. The amount called gross profit in insurance wording may need a different calculation from a familiar management report. Record the assumptions behind the sum insured and the treatment of expected growth.
Check the dependencies that could stop recovery
Identify the suppliers, utilities and locations that the business cannot quickly replace. Ask whether extensions cover those dependencies and whether smaller limits or shorter periods apply. Keep these answers alongside the business continuity plan so the two tell the same story.
Take these questions to your provider
- What event must occur before the interruption section responds?
- How does the policy define the gross profit, revenue or other amount insured?
- How long could income support continue while operations and customers recover?
- Are key supplier, utility or access problems included and at what limits?
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.