Business Interruption (BI) / Consequential Loss

Safeguarding Your Business Against Interruptions and Financial Losses.

Business Interruption Insurance in Thailand: Protecting Profits and Resilience

Business interruption insurance in Thailand ensures that a temporary shutdown does not become a permanent setback. When fire, flood, cyber incidents, or supply-chain failures halt production, this coverage reimburses lost gross profit, ongoing expenses, and extra costs incurred to restart operations quickly.

Why Business Interruption Coverage Matters Now

Frequent natural and man-made disruptions

Thailand’s manufacturing and service sectors sit in typhoon paths and dense urban zones. Consequently, fires, floods, political unrest, and utility outages can idle factories or storefronts without warning.

Tight margins and global competition

Extended downtime erodes market share and may push customers toward competitors. With business interruption insurance in Thailand, companies keep payroll and loan payments current even while repairs are underway.

Stricter lender and shareholder expectations

Investors and banks demand proof of robust risk transfer. Failure to show evidence of adequate consequential-loss protection can delay financing or trigger covenant breaches.

Core Protections in a Modern Business Interruption Policy

Loss of gross profit – reimburses the shortfall between expected and actual revenue during the indemnity period.
Fixed operating costs – covers rent, utilities, and salaries that continue despite halted operations.
Extra expense – pays for temporary premises, expedited shipping, or overtime needed to resume service sooner.
Loss of utilities – responds when power, water, or telecom outages beyond your control stop production.

Optional Extensions for Wider Protection

Because every enterprise faces unique exposures, Lockton Wattana can add:

Contingent business interruption to cover losses caused by damage at key suppliers or customers.
Denial of access when authorities block entry to premises after a nearby incident.
Infectious disease coverage for revenue hits linked to government mandated shutdowns.
Cyber-triggered interruption for cloud or network failures that paralyze digital operations.

How Lockton Wattana Optimizes Business Interruption Insurance in Thailand

First, our property risk specialists map your critical revenue streams and model worst-case downtime scenarios. Next, we set realistic indemnity periods, limits, and waiting periods that align with board-level risk appetite. After that, we leverage global insurer relationships to secure competitive premiums and multi-year rate stability. Finally, we provide claims preparation workshops so finance teams can document loss calculations quickly and accurately.