This policy is issued in conjunction with a fire material damage policy.

This policy protects the earning capacity of that capital by making good loss of your net profit, enabling you to meet overheads and defraying increase in expenditure.

The cover provides indemnity against loss of gross profits following reduction in turnover (or other appropriate standard e.g., rent receivable) and increased cost of working necessarily incurred to maintain or restore turnover, (as for example renting temporary premises, having work done elsewhere, overtime or extra labor and special advertising) resulting from a peril covered under the attendant fire policy.