Business Interruption Insurance
Because Cash Flow Can’t Wait
What happens if a fire, flood, burglary, or other unexpected event forces your business to close temporarily? Business Interruption Insurance helps cover lost income and ongoing costs while you get back on your feet, so a setback doesn’t turn into a shutdown.
What Does Business Interruption Insurance Cover?
- Loss of income during forced closure
- Fixed operating expenses like rent, utilities, wages
- Relocation and temporary setup costs
- Financial recovery following natural disasters or fire
- Cover for supply chain disruption or critical asset failure (where applicable)
- Ongoing loan repayments while not trading
- Restoration period coverage after repairs are completed (in some policies)
Note: This cover typically kicks in only after a claim is accepted under your material damage or business asset insurance policy.
Who Is Business Interruption Insurance For?
- Retailers who rely on steady foot traffic or stock turnover
- Trades and service providers with fixed costs, even when not operating
- Hospitality businesses where downtime can be financially crippling
- Professional services with office leases and staff costs
- Anyone who can’t afford a long gap in cash flow
How It Works With Other Cover
Business Interruption Insurance is designed to work alongside your material damage or business asset insurance. For example, if a fire damages your store, your asset policy covers the physical loss whilst your interruption cover handles the income lost while you’re closed.
You might also consider pairing it with Business Asset Insurance and General Liability Insurance.