Business Interruption
Insurance
What is Business Interruption Insurance?
Business Interruption Insurance protects your business from financial losses caused by unexpected disruptions, such as fire, flood, equipment failure, or supply chain issues. It helps cover lost income, ongoing expenses, and recovery costs, ensuring your business can stay afloat during downtime.
Whether you run a small business or a large enterprise, this insurance is essential for maintaining cash flow and business continuity after an insured event.
Who Needs This?
Any business that relies on physical premises, equipment, or supply chains should have Business Interruption Insurance. This includes:
- Retail & Hospitality – Cover for revenue loss due to fire, flooding, or forced closures.
- Manufacturing & Warehousing – Protection against supply chain disruptions and equipment breakdowns.
- Professional Services & Offices – Covers lost revenue if your premises are temporarily unusable.
- Construction & Trade Businesses – Protection against delays caused by insured damages.
- Healthcare & Clinics – Covers financial losses from unexpected closures or equipment failures.
Why is it Important?
Unexpected events can disrupt operations and lead to significant financial losses. Business Interruption Insurance ensures you can cover ongoing expenses, including wages and rent, while recovering from a disruption.
Common risks that Business Interruption Insurance protects against include:
- Fire & Flood Damage – Covers lost income and expenses while repairs are carried out.
- Equipment Breakdown – Protection if critical machinery or IT systems fail.
- Supply Chain Disruptions – Covers lost revenue due to supplier failure.
- Forced Closure – Compensation if your business is ordered to shut down due to an insured event.
- Denial of Access – Covers losses if access to your premises is blocked due to nearby incidents.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Business Interruption Insurance policies typically include:
- Loss of Income – Compensation for revenue lost during the interruption period.
- Fixed Expenses – Covers ongoing costs suchs as rent, wages, and loan repayments.
- Temporary Relocation Costs – Support for setting up a temporary workspace if needed.
- Extra Expenses – Covers additional costs incurred to keep the business running.
- Supply Chain Losses – Protection against financial losses due to supplier failure.
What's Not Covered
- Damage to physical property (covered separately under property insurance).
- Losses due to non-insured events (e.g., pandemics unless specifically included).
- Long-term declines in revenue unrelated to the insured event.
- Utility failures outside your premises unless specified.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Business Interruption cover you for?
Business Interruption Insurance helps cover lost income and operating expenses if your business is forced to close due to an insured event like fire, flood, or major damage. Insurably® offers tailored protection to help you recover quickly and keep your operations moving with confidence.
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