# Business Interruption Factsheet

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6 Gross profit sum insured calculation - an example From Financial year end Gross Profit = Turnover 1,000,000 Closing stock and work in progress 10,000 Total 1,010,000 Less Uninsured Working Expenses (generally) Purchases 350,000 Packing and Freight 50,000 Bad Debts 5,000 Opening Stock and Work in Progress 5,000 Total 410,000 Gross Profit 600,000 Projecting Forward* 78,038 Sum insured for Insurance Year /16 678,038 *If you are working from figures from your last year end accounts you need to make an adjustment to bring the figures up to date, including an allowance for the insurance year ahead and then allow for growth/trends in the indemnity period. For convenience, the example assumes 5% annual growth, so there is 15,000 (2.5%) catch up to the start of the insurance year, 30,750 (5%) for the insurance year and a further 32,288 (5%) for a 12 month indemnity period. For a 24 months indemnity period you would need to add another 5% and then double the sum insured.

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