This insurance primarily concerns professionals who produce or hold stock, such as traders or craftsmen. For example, water damage in a restaurant or a gas oven exploding in a bakery can force these businesses to remain closed for several months, the time needed to put their professional tools back into working order.
If you carry out a service activity in an office, business interruption insurance is not necessarily required. To make a judgement, an analysis should be carried out beforehand: do not hesitate to seek advice from your insurer. In fact, it is sometimes possible to resume activities quickly after a major disaster. You will probably set up your office in a temporary place, without your business being disrupted.