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Gross Profit - UK vs. Gross Earnings - US


Business Interruption (BI) insurance is often misunderstood, partly because there is ‘a fear of the unknown’, but also because this type of insurance differs throughout the world. There are essentially two dominant forms of cover, known as the UK form and the US form. While similar, these two forms both have some stark differences that risk managers and their advisers need to take into account when placing cover.

This document summarises the key differences between the two cover types rather than a comprehensive description of each, and offers guidance to the broker in coming to a decision on what type of cover is more suitable for the client.

To find out more about business interruption insurance around the world, more specifically a comparison of the Gross Profit (GP) and Gross Earnings (GE) policy form, please see attachment.