Running a brick-making business is a serious investment—your machines, raw materials, and time all add up. But what happens when disaster strikes? A fire, theft, equipment failure, or even a natural disaster can bring everything to a halt. Can your business survive without income for months? If the answer is no, you need to pay attention right now.
The One Thing That Can Save Your Business: Business Interruption Insurance
The impact of an unforeseen event can have a serious effect on your fixed expenses and your ability to keep supplying customers. Business interruption insurance is your lifeline! It helps you get back on your feet after an unexpected disaster, covering your lost revenue and allowing you to continue paying overheads such as rent, salaries, and bills during a period of downtime.
Imagine This Happening to You:
- A fire destroys your brick-making facility. You can’t produce or sell bricks for months.
- A flood damages your equipment. You’re stuck without production while repairs take forever.
- Thieves steal your essential machinery. Without it, you’re out of business.
Without business interruption insurance, your income stops, but your expenses don’t. Could you survive? Many businesses don’t. But with the right coverage, you won’t just survive—you’ll thrive even after setbacks.
Real-Life Business Survival Stories
🔴 Case Study 1: A restaurant’s kitchen was ruined by a fire. The business had to shut down for months, but bills kept piling up. Thanks to business interruption insurance, they covered rent, wages, and supplier payments—without losing everything.
🔴 Case Study 2: A Santam client’s hardware shop was destroyed in a fire. Repairs took six months, but the business didn’t collapse. The insurance arranged a temporary location and paid for rent and advertising costs, keeping the business alive and customers coming back.
Avoid the #1 Mistake: Being Underinsured
Many business owners think they have enough insurance, but don’t! These are the biggest mistakes to avoid:
❌ Choosing an indemnity period that’s too short – Repairs, replacing machinery, and regaining customers all take time. ❌ Miscalculating gross profit – Your insurance should reflect real-world operating costs, including VAT and future trends. ❌ Not knowing the difference between financial and insurance gross profit – Get this wrong, and you’ll be left paying essential costs out of pocket!
What Else Should You Cover?
✔ Equipment Breakdown Insurance – When your machines fail, don’t let your business fail with them. Repairs and replacements are expensive! ✔ Theft and Vandalism Coverage – Your expensive equipment and materials are prime targets for thieves. Don’t be left empty-handed. ✔ Liability Insurance – If an employee or visitor gets injured on your premises, legal and medical costs can be devastating. ✔ Natural Disaster Protection – Floods, fires, and storms don’t wait for you to be ready. Make sure your insurance does!
No Insurance? No Business!
🚨 Without business interruption insurance, your business is one disaster away from shutting down forever. 🚨
Don’t risk it. Invest in the right coverage today and secure your financial future!
Are you looking for reliable brick-making equipment to start or expand your business? TL Store offers top-quality machines and expert advice to help you succeed. Contact us today!
