While the fire policy covers the physical damage to your property this policy covers:

• Net Profit lost as a consequence of the interruption of your business
• Standing charges which continue to be payable by your business to the extent that they are no longer earned by the residual trading.
• Wages of the staff that need to be retained during the interruption period.

Besides, where your business is dependent partly upon the continued existence of the premises of suppliers, customers, or other persons or bodies from whom you receive services or facilities, the policy can be extended to cover loss resulting from damage by insured risk at such other premises.