Business interruption insurance
Cover that helps if you suffer a loss of revenue due to an unexpected slowdown in business. Also chips in for the cost of getting your business up and running at full speed again.
Be quote confident. We'll beat the price of any like-for-like quote. T&Cs apply.
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
Is your business raising and scaling?
Our specialist brokers provide custom cover for high-growth tech companies with complex risks — from web3, fintech, medtech, blockchain, VC firms, SaaS and more — whether you're at seed stage or IPO ready.
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it — we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
Why would you need business interruption cover?
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 a disruption to your trading.
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 insurance covers the loss of revenue your business might suffer, while paying for your increased costs of working, so that you can get your business running and your plans back on track.
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 can cover the financial loss you may suffer and any expenses to mitigate a loss — like if you had to temporarily move to a different office.
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 insurance policies can cover events to your property causing downtime to your business. Your cover includes loss of revenue and increased cost of working, so that you can get back to work without losing time and money.
Loss of revenue
Say your office gets flooded after a huge storm. Or the fridges in your ice cream shop break down overnight leaving you unable to trade the following day. Or the computers you run your business from break down because of a power surge that wasn’t your fault.
Business interruption insurance can cover the financial loss you may suffer and any expenses you might incur to get yourself up and running again — like temporarily moving to a different office.
Increased costs of working
When your business suffers an outage you may need to get your staff to work overtime, or hire third parties to chip in and get you back to normal production levels. This is where increased costs of working come in.
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.
What we can't cover
While we'd love to cover everything, as with all insurance policies, unfortunately there are some elements and circumstances that are not included in your cover — like any loss or corruption of information on your computer systems. For full details of the inclusions and exclusions, please refer to your policy documents. Read our guide to understanding your policy documents to bust through the jargon.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover. Read our guide to understanding your policy documents.
Business interruption insurance FAQs
Do I need business interruption insurance?
There is no legal requirement to have business interruption insurance.
However, unforeseen events happen and could lead to a shutdown of your business. Our cover was created to help your business recover and rebuild operations after an interruption, allowing you to get back to business as usual as fast as possible.
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.
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Cover for over 1,000 types of business
Five-star customer service and claims support
Flexibility to adjust your policy without fees
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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.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.