Contingent Business Interruption (CBI) Insurance covers financial losses when a business is disrupted due to damage or operational interruption affecting a key third party, such as a supplier, customer, manufacturer, or logistics provider.

Unlike standard Business Interruption coverage, the physical loss does not occur at the insured’s own premises but can still significantly impact operations and revenue.

Coverage typically includes lost income, continuing operating expenses, and certain extra costs resulting from supply chain disruption or third-party operational failures.

Coverage may also include protection for:

• Supplier and vendor disruption: Coverage for financial losses arising when critical suppliers, manufacturers, or service providers experience insured damage or operational interruption.

• Customer and downstream dependency exposures: Protection for revenue impacts resulting from disruption affecting major customers, distributors, or business partners.

• Logistics and transportation interruptions: Coverage for losses associated with disruption involving ports, warehouses, transportation networks, or logistics providers.

• Extra expense and continuity support: Helps cover additional costs incurred to maintain operations, secure alternative suppliers, or reduce operational disruption.

• Global supply chain exposures: Protection designed to address the financial impact of interconnected domestic and international supply chain dependencies.

Contingent Business Interruption Insurance is designed to help organizations strengthen supply chain resilience, reduce the financial impact of external disruption, and support operational continuity when critical business dependencies are affected.

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