Business Interruption Insurance
A fire, a flood, or a major equipment failure can bring your operations to a standstill — but your rent, salaries and other fixed costs don’t stop. Business interruption insurance keeps your business afloat while you rebuild.
What’s covered
- Replacement income for a pre-agreed period after a covered calamity halts your operations.
- Cover for fixed costs — rent, salaries, loan payments — that continue regardless of whether you can trade.
- Compensation for lost profit during the interruption, not just your direct costs.
- Advice on the right waiting period and indemnity term for your type of business, so the cover matches how quickly you could realistically get back up and running.
Why arrange it through us
This is one of the most underestimated policies for small and medium businesses. We’ll walk through a realistic worst-case scenario with you and make sure the indemnity term actually covers the time you’d need to recover.