Business Interruption Insurance
Get a Quote
Business Interruption insurance covers the revenue you lose when something stops you from trading. A fire, a flood, a supplier failure; the physical damage gets repaired, but while your doors are closed your costs keep running and your income doesn't. This cover bridges that gap, giving you the financial breathing room to get back on your feet without the pressure of a mounting shortfall making everything harder.
What This Covers
Lost revenue during the period you're unable to trade- Fixed costs that continue during the interruption, such as rent and salaries
- Additional costs incurred to minimise the interruption, including temporary premises
- Losses arising from damage to a key supplier or customer's premises
- Extended indemnity periods to cover longer recovery times
What This
Does NOT Cover
Interruptions not caused by an insured physical damage event- Losses beyond the agreed indemnity period
- Pandemic or infectious disease unless specifically included
- Interruptions caused by contract disputes or commercial decisions
- Gradual losses not linked to a specific incident
Illustrative
Claim Example
Illustrative Example
A 50-person food production business suffered a fire in their production facility. The physical damage was covered under their Property Insurance policy, but repairs took eleven weeks. During that time, the business was unable to fulfil orders and lost significant revenue. Their Business Interruption policy covered £140,000 in lost income and continued to pay fixed overheads throughout the recovery period. Without it, the business would have been trading at a serious loss while trying to rebuild.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
Any business that operates from a physical premises
Companies that would struggle to trade remotely if their workspace was unusable
Businesses with significant fixed costs that continue regardless of trading status
Any growing business where a period of lost revenue would cause lasting damage
Who Needs This Insurance
Ready to
get covered?
Get a quote for Business Interruption cover built around your business and how you operate.
