Business Interruption Insurance

Protecting Income When Operations Are Disrupted

Business interruption insurance could provide critical financial support if a company is unable to operate due to an unexpected event. Whether caused by fire, flood, storm damage or other insured incidents, this type of cover is designed to help maintain cash flow and support business continuity.
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What Is Business Interruption Insurance?

Business interruption insurance is a form of protection that can help a company recover lost income and manage ongoing expenses during a temporary closure or operational disruption. It is typically offered as part of a wider commercial policy, such as a commercial combined insurance or property insurance.

Rather than covering physical damage, it focuses on the financial impact of disruption, helping the business stay afloat until normal operations resume.

Who Might Need Business Interruption Cover?

This type of insurance could be beneficial for a wide range of sectors, including:

  • Retailers who rely on daily footfall
  • Manufacturers dependent on specialised machinery
  • Hospitality businesses impacted by location or bookings
  • Offices with key revenue-generating operations
  • Warehouses and logistics firms reliant on premises access

Any business that would suffer financially from a pause in operations may wish to consider business interruption cover.

 

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What Can Business Interruption Insurance Cover?

The scope of cover can vary depending on the insurer and the specific terms of the policy arranged. However, business interruption insurance can typically help with:

  • Loss of gross profit or revenue due to interrupted trading
  • Fixed operating costs such as rent, wages, and loan repayments
  • Temporary relocation expenses, if the business must operate from a new location
  • Additional working costs incurred to reduce the period of disruption
  • Supplier or customer dependency interruption (if included)
  • Loss of utilities or access due to insured damage
Common Scenarios Where Cover May Apply
  • A fire damages a warehouse, halting production
  • Flooding forces a shop to temporarily close
  • A gas explosion causes structural damage to a restaurant
  • Essential equipment breakdown disrupts service delivery

Each of these incidents could result in significant revenue loss, and business interruption insurance may help bridge the financial gap.

FAQs

Premiums could depend on:

  • The size and turnover of the business
  • The industry and associated risks
  • Location and susceptibility to natural events
  • Length of the indemnity period
  • Claims history and other existing policies

As part of a commercial combined policy, it may offer better value when bundled with property, liability, or contents insurance.

Common triggers include fires, floods, storm damage, equipment breakdown, and structural damage to your premises. Some policies may also cover denial of access, utility failures, or notifiable disease outbreaks, depending on your insurer.

Loss of income is typically based on your gross profits and past financial records. Insurers will assess your turnover, trends, and expenses to estimate what you would have earned if the disruption hadn’t occurred.

While policies vary, some common exclusions may include:

  • Losses not tied to physical damage (unless extended)
  • Undocumented income or profits
  • Disruption caused by excluded perils, such as war or cyber events
  • Voluntary closures without direction or physical loss

Yes. Many insurers offer optional extensions for supply chain disruption, protecting you if a key supplier or customer faces a disaster that interrupts your own operations. Be sure to discuss this when arranging cover.

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Helpful Articles & Updates

Explore guides and advice on business interruption cover to keep your income protected when the unexpected happens.