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Loss of profit

Home / Know How / Loss of profit

Random events such as fire, flood or a machinery breakdown generate not only damages related to costs of repairing or replacing the damaged property. Such an accident can also cause very serious disruption to the business, preventing production of goods or provision of services.


After serious damage to property, a company which is not covered by profit-loss insurance has practically no chance of survival. Even though the entrepreneur does not bear the costs of variable operations dependent on the production level (e.g. raw materials, materials, energy, etc.), however, fixed costs, such as employee wages or depreciation still must be incurred. Moreover, as a result of the damage, the planned profit is not worked out. In such a situation, compensation from the insurer for a lost or damaged asset may not be enough. The owner will not be able to repair or replace it, as, with no income, the fixed costs will be impossible to bear, which in consequence may lead to bankruptcy. Therefore, loss of profit insurance is a supplement to the protection provided under the property insurance.

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EIB Team
Wojciech Radyński
Director of Wroclaw Office
tel. number
+48 713 329 650
+48 (56) 669 34 00


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Headquarters in Toruń
87-100 Toruń
ul. Jęczmienna 21
Tel. +48 (56) 669 34 00
Fax. +48 566 693 409
e-mail: eib@eib.com.pl
OFFICE in Katowice
40-129 Katowice
ul. Misjonarzy Oblatów 11
Tel. +48 (32) 258 37 50
Fax. +48 566 693 409
e-mail: katowice@eib.com.pl
OFFICE in Kraków
31-527 Kraków
ul. Supniewskiego 9
Tel. +48 (12) 627 34 00
Fax. +48 566 693 409
e-mail: krakow@eib.com.pl
OFFICE in Rzeszów
35-307 Rzeszów
Al. Armii Krajowej 80
Tel. +48 (17) 862 66 28
Fax. +48 566 693 409
e-mail: rzeszow@eib.com.pl
OFFICE in Warsaw
00-722 Warszawa
ul. Podchorążych 39a lok 3
Tel. +48 (22) 559 14 60
Fax. +48 566 693 409
e-mail: warszawa@eib.com.pl
OFFICE in Wrocław
53-203 Wrocław
Al. Gen. Józefa Hallera 92/18
Tel. +48 (71) 332 96 67
Fax. +48 566 693 409
e-mail: wroclaw@eib.com.pl
OFFICE in Bydgoszcz
85-079 Bydgoszcz
ul. gen. Tadeusza Kościuszki 7
Tel. +48 (52) 523 90 77
Fax. +48 566 693 409
e-mail: bydgoszcz@eib.com.pl
OFFICE in Gdynia
81-509 Gdynia
pl. Górnośląski 13
Tel. +48 (58) 620 62 69
Fax. +48 566 693 409
e-mail: gdynia@eib.com.pl
OFFICE in Włocławek
87-800 Włocławek
ul. Targowa 7
Tel. +48 (54) 231 15 36
Fax. +48 566 693 409
e-mail: wloclawek@eib.com.pl