Business interruption

How long would it take to restore your premises, replace equipment and regain normal trading?

Illustrative Caribbean cafe owner preparing to open — For the business you’re building.

If the doors must close,
what happens to your income?

Repairs are only part of recovering from damage. Rent, wages and other commitments may continue while trading is disrupted. Consider how long rebuilding, replacing equipment and restoring normal revenue could take. Additional expenditure and loss-of-rent cover within a Small Business package is different from broader loss-of-profit protection; we will help you identify the arrangement you need and the events that would trigger it.

A question for your situation

How long would it take to restore your premises, replace equipment and regain normal trading?

The right approach depends on your circumstances, existing arrangements and the provider’s current terms. We’ll help you understand the details in a consultation.

Your next step

Getting ready for Business interruption

Begin with the quotation or consultation for this policy. Once you accept a quotation, use the relevant application checklist below. BIAI will guide you through the official forms and signatures.

Business interruption

Sagicor General

Start with a quotation for the cover you need. BIAI will confirm the application requirements for the proposed policy; a checklist is not yet published.

For a quotation, start with the quote form or consultation. Application documents come after you accept the quotation or agree the next step with BIAI.

I’ve accepted my quotation or BIAI has asked me to prepare my application.

Go to the quotation →Ask about this request →

Pay your first General Insurance premium

Sagicor General

For all Sagicor General Insurance policies. Follow the first-payment guide before using the subsequent-payment options.

For all Sagicor General Insurance policies, start by confirming your policy number, first premium amount and payment instructions with BIAI. Your first payment and subsequent premiums have different options.

Your first premium: pay in person or by wire transfer

In person: visit Sagicor General Insurance Inc. at the Sagicor Financial Centre, Building #2, Lower Collymore Rock, St. Michael. Give the cashier your policy number and pay by cash, cheque, credit card, Visa debit or Mastercard debit.
Wire transfer: contact BIAI for the current transfer instructions. Pay from your savings or chequing account and include your name and policy number in the transfer notes.
Email proof of payment to info@blackmaninsure.com so BIAI can confirm with Sagicor that the premium has been applied to your policy.

Subsequent premiums: choose a payment option

Preferred option: register on the Sagicor client portal using your policy number and pay by credit card, Visa debit or Mastercard debit.
Sagicor GO app: register using your policy number and pay by credit card, Visa debit or Mastercard debit.
In person: visit Sagicor General at the address above, share your policy number and pay by cash, cheque, credit card, Visa debit or Mastercard debit.
SurePay online: select Sagicor General Premium, add your policy number and pay using your registered bank account or Visa debit card.
SurePay outlets: provide your policy number and pay by cash, cheque or Visa debit card.
Scotiabank online banking: select Sagicor General, add your policy number and pay from your savings or chequing account.
CIBC online banking: select Sagicor General Premium, add your policy number and pay from your savings or chequing account.
Wire transfer remains an option. Request the current instructions from BIAI and include your name and policy number in the transfer notes.

Keep track of your payment

Save your receipt or payment confirmation.
When emailing BIAI, include the policy number, payment date, amount and method so the team can follow up on allocation.
BIAI will help you confirm your policy’s commencement date and any outstanding requirements.

Open Sagicor GO client portal Get the Sagicor GO app Visit SurePay Barbados

Need help paying your first General Insurance premium? Send BIAI a request below.

Your login and payments take place with the provider. This website does not collect your card details or provide access to your policy records.

Email BIAI for payment assistance →

What to have ready

Your policy number and first premium amount confirmed with BIAI.
Proof of payment showing the payment date, amount and policy reference.

Ask about this request →

Other General Insurance claim — start an enquiry

Sagicor General

Start here for help with a new claim. BIAI will confirm the official forms and supporting documents for your particular case before submission. This enquiry does not submit an insurer claim or confirm that it is covered.

General Insurance claims submissions

When ready, email your completed and signed General Insurance claim form and supporting documents to:

claimsinfo@sagicorgeneral.com

What to have ready

Policy number or other policy reference, if available.
A brief description of what happened and the relevant date, if known.
Your contact details and your relationship to the policyholder or insured person.

Ask about this request →

Other General Insurance claim — check status or payment

Sagicor General

For a claim already submitted. If you do not have a claim reference, share the policy number and enough information to identify it. You do not need to submit the claim again or routinely resend its supporting documents. BIAI will check with Sagicor General; the insurer confirms the decision and any payment.

What to have ready

Policy number and claim reference, if available.
When the claim was submitted and to whom, if known.
The update you need: progress, outstanding documents, decision, settlement or whether payment has been made.
Any recent claim correspondence or payment reference relevant to your question, if available.

Ask about this request →

Other General Insurance — increase or decrease sum insured

Sagicor General

Ask BIAI to review an increase or decrease in the sum insured. Sagicor General must confirm any change, its effective date and revised premium. BIAI will confirm the applicable form and any valuation or other evidence for your policy; sending this request does not change your cover.

What to have ready

Policy number and the property, contents, vehicle or other insured item you want to change.
Current sum insured, if known, and the new amount you would like Sagicor to consider.
Requested effective date and the reason for the increase or decrease.
Any recent valuation or supporting information you already have, if available. BIAI will confirm whether updated evidence is required.

Ask about this request →

Share sensitive documents only through the channel agreed with BIAI.

Document Scan Guidelines →

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Business interruption

If the doors must close,what happens to your income?

A question for your situation

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