Essential cover

Business interruption insurance

Protection for risks that may disrupt or stop your operations from running smoothly.

Business interruption insurance quote

From£
16.95
per month

What is business interruption insurance?

Business interruption insurance covers the loss of revenue you suffer following an unexpected event causing downtime to your trading. We will also pay for the additional costs you face to get your business up and running again.

  • Protect yourself from loss of revenue
  • We cover your increased costs of working
  • Covers business interruption at your supplier
  • Comprehensive property cover

Get business interruption cover in less than 10 minutes

Why would you need business interruption cover?

1

Protection for the unexpected

Business interruption insurance can be the lifeline a small company needs after unexpected damage to your property, stopping you from doing what you do best. We understand the importance of reliability, and we’re here to support you and your employees to rebuild after disruption to your trading. We are even able to cover the stock you hold for damage or deterioration as a result of your interruption.

2

Your safety net

You depend on your income as much as your clients depend on you. Interruption to your business could jeopardise your ability to pay your employees and bills, with many small businesses unable to recover after a financial storm. Our Business Interruption product covers the Loss of Revenue your business suffers, whilst paying for your Increased Costs of Working, so that you can get your business running and your plans back on track.

3

To protect your stock

There are some hazards that all businesses face regardless of how far along in your journey you are. Events like fires and floods could shut down your business for extended periods despite you doing all you can to protect yourself. If your workplace is essential to keeping your business operating, our business interruption policy will pay to repair your property and support you in getting back to business as usual.

4

Protect your supply chain

We understand that sometimes, the cause or remedy for business interruption can be completely outside of your control. That's why our policy provides you coverage when your supplier experiences interruption, creating knock-on disruption to your trading.

What does business interruption insurance cover?

Business interruption cover

Our advanced protection covers events to your property causing downtime to your business. Your cover includes loss of revenue and increased cost of working up, so that you can get back to work without losing days of time and money. Examples of increased cost of working include paying workers, contractors and third parties additional payment (e.g. overtime) to carry out work which was delayed due to business interruption.

Property damage insurance

Unlike some policies, our commercial combined insurance covers your liability to your landlord or co-working space if you accidentally damage the premises you rent or hire (including fixtures and fittings). This covers your buildings and improvements, and includes inflation protection and ‘as-new’ reinstatement of items. We also provide rent payable cover, which covers you if you are required to continue paying rent to your landlord in the case of an insured property damage event.

Stock

Cover for your stock and materials, at all parts of the production process, including storage of finished goods. We can even cover a deterioration of stock for refrigerated goods.

Computer breakdown

Computers are a necessity for almost all businesses today. We can provide cover for mechanical and electrical breakdown of your computer equipment so you can be sure to minimise downtime.

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Business interruption insurance FAQs

Do I need business interruption insurance?

Unforeseen events could lead to a shutdown of your business, possibly forever, without the support of policies like our Business Interruption insurance. Our cover was created to help your business recover and rebuild its operations after interruption, allowing you to get back to business-as-usual as fast as possible.

Our cover can also provide you with insurance you may legally or contractually require, such as public liabilities or employment liabilities.

How much cover does this policy include?

Our business interruption cover is dependent on the gross revenue of your business. This coverage is intended to pay your business the value of lost revenue as well as the increased costs of operating your business after a business interruption event.

What is the excess on this cover?

This will vary depending on the nature of your claim. For example, the excess on a Money claim, or for ‘deterioration of stock’, starts at £50, while the excess on fixing broken computer systems starts at £250. Excess on larger claims, for example property flooding or subsidence, starts at £1,000. This is because property damage tends to be more expensive to fix.

What does business interruption insurance cost?

This depends on the overall selection of covers you choose for your business as well as your business’s everyday activities. We can provide business interruption cover starting at £16.95 per month.

Customise your cover

To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.

Essential covers

From
£5.13
per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Professional covers

From
£7.58
per month

Protect against risks associated with the professional services you provide and the way you market your business.

Management cover

From
£6.90
per month

Protect your management and shareholders against the operational risks associated with running a company.

Boost your cover from £10.08 per month

Legal protection insurance

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

We insure thousands of innovative businesses

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.