Business Interruption Insurance

Business Interruption Insurance (also known as Loss of Profits) will pay for your lost income should your income be disrupted by a claim. For example if your business suffers a claim for fire or burglary your income will drop or even stop. A good business interruption policy will replace your lost income until your business has recovered and is able to trade at the same levels it would have been at before the claim.

Without business interruption insurance you might be able to repair or replace damaged buildings, equipment or stock but you will not be able to replace your lost income, customers or staff.

Business interruption insurance will help your business survive. This could involve renting alternative premises and equipment, sourcing stock, paying overtime and communicating with customers.

Extensions to a business interruption policy can also cover interruption to your income from less obvious causes that could be critical to your business, including:

  • Disruption of utilities - gas, electric, water, telecoms, drainage
  • Damage at a suppliers premises
  • Damage at a customers premises
  • Denial or prevention of access to your premises
  • Disruption caused by infectious disease
  • Disruption caused by death or suicide
  • Loss of attraction
  • Extreme weather

Business interruption insurance can also pay additional costs if they are required to keep your business trading.

Most business interruption cover is purchased as part of a commercial package or commercial combined policy.

If your business is reliant on data, computers or specialist machinery you may want to consider specialist cyber, computer or engineering insurance. 

If you are a landlord you may want to insure your rental income.

If you organise events then you may want to insure against cancellation.



For advice or a quote for your business interruption insurance please email or call 01905 21681.



Act now! Call us on 01905 21681 to get your insurance needs met

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"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

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2 Foundry Street, Worcester, WR1 2BJ tel:01905 21681 | Registered in England No 1167560

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