The property all risk policy provides protection for any sudden accidental physical loss or damage to the property covered. The policy would normally list items, which it would not cover. These are the policy exclusions.

Consequential Loss/Loss of Profits:
The consequential loss/Loss of Profits policy provides protection for the earning capacity of the business the operation of which is interrupted by a cause specified in the policy. This cover can only be purchased if you have a policy, which covers the physical property.  In the event that your business is lost or damaged the ability to produce would be restricted but your expenses and demands for shareholders profits remain unchanged. This covers makes up the shortfall during the period the business is affected by the loss or damage to the property covered.