Business Interruption insurance is designed to put you into the financial position as if the claim had never happened. As such, the indemnity period needs to be long enough to get you back trading at the same level as if the loss had not occurred. Whilst property can be replaced or rebuilt relatively quickly, it may take much longer to recover the same level of sales and market share. Surveys have shown that most businesses do not have adequate indemnity periods. As a rough guide, we rarely recommend anything less than 24 months.