Essential Protection for Business Continuity
Business interruption insurance covers your lost profit and fixed operating costs if your business is forced to stop operations due to damage to your premises or equipment. This insurance protects your income stream during the period your business cannot operate, helping you survive unexpected disruptions.
Whether it's a fire, flood, theft, or other insured damage, business interruption insurance ensures you can meet your financial obligations—paying staff, rent, and other costs—even when income has stopped. For many businesses, this is one of the most important protections you can have.
What's Covered
- Business Income Replacement: Covering loss of gross profits when an insured event causes interruption to your operations
- Extra Expenses to Maintain Operations: Costs for temporary premises, rental equipment, and overtime labour to minimise disruption
- Fixed Costs & Operating Expenses: Coverage for rent, utilities, payroll, and other ongoing business expenses during the interruption period
- Temporary Relocation & Set-Up Costs: Expenses for moving to temporary premises and setting up operations during recovery
- Rent Payable Following Damage: Rent obligations for your premises during the period it cannot be occupied
- Professional Fees & Claim Preparation Costs: Coverage for accountants' fees, surveyor costs, and expenses in preparing your insurance claim
What's Not Covered
It's important to understand what business interruption insurance doesn't cover. Standard policies have specific exclusions designed to focus on losses directly resulting from physical damage to your insured premises.
Physical property damage: Physical property damage is covered under your property insurance policy, not business interruption insurance
Losses due to uninsured events or global pandemics: Losses from events not covered by your policy, unless specifically endorsed (e.g., pandemic cover)
Market downturns or loss of reputation: Losses from market downturns, economic conditions, or reputational damage
Voluntary shutdowns: Income loss from voluntary closures or business decisions (not caused by insured damage)
Government fines or penalties: Fines, penalties, or sanctions imposed by government or regulatory authorities
Financial loss unrelated to property damage: Losses from business decisions, operational failures, or events not directly caused by insured physical damage
Specialist Business Interruption Coverage Options
Business interruption insurance needs vary depending on your business type, location, supply chain complexity, and operational dependencies. We offer flexible coverage options tailored to your specific business continuity requirements.
Extended period of indemnity provides continued coverage after repairs are complete to allow business recovery to pre-loss levels. Contingent business interruption covers losses from failures of your key suppliers or customer locations. Utilities & infrastructure failure protection covers loss of income from failure of public utilities (power, water, gas, telecoms) or infrastructure. Denial of access or civil authority restrictions covers business interruption when authorities prevent access to your premises due to nearby damage or emergencies. Cyber business interruption covers income loss from cyber attacks or system failures. Extra expense & claim preparation coverage provides additional funds for costs to minimize disruption and professional fees. Our specialists work with you to identify optional covers most relevant to your business, ensuring you have comprehensive protection against the business continuity risks your organization faces.
Risk Scenarios We Cover
Businesses face different operational risks that could lead to interruption. We cover a wide range of scenarios to ensure comprehensive protection against disruptions your organization may encounter.
Business Interruption Scenarios We Protect
Fire & Natural Perils
Coverage for business interruption resulting from fire, explosion, storm, flood and other insured physical perils damaging your premises or equipment.
Equipment & Machinery Breakdown
Loss of income due to failure or breakdown of key equipment, machinery, or plant essential to your business operations.
Supply Chain Disruption
Interruption due to failures of suppliers or transport issues, including contingent business interruption covering losses from critical supplier dependencies.
Utility & Infrastructure Failure
Loss of income caused by failure of public utilities (power, water, gas, telecoms) or infrastructure supporting your business operations.
Risk Management & Business Continuity Planning
Effective business interruption protection goes beyond insurance coverage. Proactive business continuity planning helps minimize disruption and enables faster recovery from unexpected events.
Creating and testing business continuity plans ensures your team knows how to respond when disruption occurs. Conducting regular risk assessments helps identify your most critical business functions and vulnerabilities. Diversifying suppliers reduces dependence on single sources. Developing disaster recovery & crisis management strategies ensures you can quickly restore operations. Regularly reviewing and practising your plan keeps your team prepared and identifies improvements. By combining comprehensive insurance protection with a well-developed business continuity plan, your organization can survive unexpected disruptions and emerge stronger. Business interruption insurance is essential protection, and we ensure you have appropriate coverage with expert support throughout your insurance journey.