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 Business Interruption Insurance?

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 Business Interruption Insurance 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.

What’s Covered in Business Interruption Insurance?

Business Interruption Insurance typically includes:

• Loss of Income – Compensation for revenue lost during the interruption period.
• Fixed Expenses – Covers ongoing costs such 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, you may need additional cover such as:

• Business Building Insurance – Protects against physical damage to buildings and assets.
• Public Liability Insurance – Covers claims from third parties for injury or property damage.
• Employers' Liability Insurance – Required if you have employees, covering workplace injuries.
• Cyber Insurance – Covers financial losses due to cyber incidents that disrupt operations.

At Insurably, we work with leading insurers to find the best Business Interruption Insurance policy tailored to your business needs.

Start your quote online today and ensure your business is financially protected against unexpected disruptions.